765 Market St Unit 22G
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
33% of that payment is not the mortgage. The HOA fee alone is $224,280 over five years — money that buys you no equity. A calculator that defaulted the fee to zero would have quoted you $15,281.
Not FHA-approved. No 3.5%-down FHA financing on this unit, so the realistic floor is a 5%-down conventional loan ($115,000). 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 2026-10-08 — 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
We haven't reconstructed a multi-year fee history for this building yet. We have one recorded fee on file ($3,738 in 2026), not enough for a trend yet. The listing shows $3,738/mo today. Upload its HOA docs and we'll build the full reserve & special-assessment report — free.
🏢 Get this building's free HOA report →✅ Positives
- Bigger than the Sf District 9 norm (1797 vs 1110 sf)
⚠️ Cons
- 46% above model fair value
- HOA $3738/mo
🚩 Red flags
- Very high HOA $3738/mo (full-service high-rise)
Photos
Price history (this unit)
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Description
Lowest priced two bedroom available in the Four Seasons Residence. Indulge in the epitome of luxury, service, and location at Four Seasons Residence No. 22G. This expansive South West facing home is move-in ready and offers a prestigious lifestyle with breathtaking views of San Francisco's iconic architecture, stunning sunsets to the West and the South bay. Approximately 1797 square feet this corner home features 2 generous bedrooms and 2 spa-like bathrooms. The spacious living and dining area features a wrap-around view complemented by a thoughtfully designed floor plan for maximum comfort and gracious entertaining. The bistro kitchen includes a Bay view breakfast area or after hours…