75 Folsom St #801
Higher is a better buy. 50 is "priced about right for what it is". The last step curves the raw advantage onto 0–100, so points stop being one-for-one at the extremes.
💵What this unit actually costs per month
34% of that payment is not the mortgage. The HOA fee alone is $126,000 over five years — money that buys you no equity. A calculator that defaulted the fee to zero would have quoted you $8,179.
Not FHA-approved. No 3.5%-down FHA financing on this unit, so the realistic floor is a 5%-down conventional loan ($62,500). Common for small associations and not a defect on its own, but it does remove FHA buyers from your resale pool.
Minimum realistic down payment here: 5% · verify on HUD's lookup
Rate is the Freddie Mac PMMS 30-year average for the week of 2026-11-05 — a national survey figure, not a quote. Tax, insurance and closing costs are estimates; your own Loan Estimate is the real number.
This building's HOA fees
2 recorded pointsReconstructed from 2 units of recorded sales at 75 Folsom St — every recorded sale carries its HOA fee and date. No listing site shows this.
We have a few recorded HOA fees for this building but not yet enough to call a reliable trend, so these are the raw points — no rate implied. Its documents fill in the reserve health and assessment risk.
🏢 Get this building's full reserve & assessment report — free →✅ Positives
- 16% below model fair value
- Upper floor (fl 8)
⚠️ Cons
- HOA $2100/mo
🚩 Red flags
- Very high HOA $2100/mo (full-service high-rise)
Photos
Price history (this unit)
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Description
Experience waterfront living at Residence 801 in historic Hills Plaza, an iconic landmark blending timeless architectural character with the sophistication of city living. This spacious corner residence offers 2 bedrooms, 2 bathrooms, and views of the Bay, Bay Bridge, and the City's high-rises. A thoughtfully designed floor plan separates the bedrooms from the main living spaces. An inviting living and dining area with a dry bar provides an elegant setting for entertaining or unwinding. The generous primary suite features a soaking tub, and the versatile second bedroom is ideal for guests or a private office. Residents enjoy 24-hour concierge service, garage parking, additional storage, and…