765 Market St Unit 28B
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
43% of that payment is not the mortgage. The HOA fee alone is $198,720 over five years — money that buys you no equity. A calculator that defaulted the fee to zero would have quoted you $7,328.
Not FHA-approved. No 3.5%-down FHA financing on this unit, so the realistic floor is a 5%-down conventional loan ($54,950). 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 $3,312/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
- In-unit W/D
- Garage parking
⚠️ Cons
- Photos look dim — verify light in person
🚩 Red flags
- Very high HOA $3312/mo (full-service high-rise)
- HOA $3312/mo — 3.6%/yr of the price
Photos
Price history (this unit)
- Oct 8, 2026 — Listed $1,099,000
- Jun 12, 2003 — Sold (MLS) $840,000
- Apr 9, 2003 — Listed $865,000
Description
Elevated above the heart of San Francisco, Residence 28B presents a refined urban retreat within the prestigious Four Seasons Private Residences at 765 Market Street. This approximately 1004-square-foot, one-bedroom, one-and-a-half-bath residence pairs gracious proportions with sweeping outlooks toward the Financial District of downtown San Francisco. Expansive windows fill the home with natural light while framing the city as a striking backdrop. The spacious living and dining area offers an inviting setting for both relaxed evenings and intimate entertaining, complemented by a well-appointed kitchen and generous storage throughout. The serene bedroom suite provides a private escape above…