827 North Point St #1
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
19% of that payment is not the mortgage. The HOA fee alone is $30,000 over five years — money that buys you no equity. A calculator that defaulted the fee to zero would have quoted you $19,586.
Not FHA-approved. No 3.5%-down FHA financing on this unit, so the realistic floor is a 5%-down conventional loan ($147,500). 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 2026-10-08 — 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 ($500 in 2026), not enough for a trend yet. The listing shows $500/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
- Low HOA (0.2%/yr)
- Newer build (2014)
⚠️ Cons
- 110% above model fair value
- Ground floor
🚩 Red flags
Photos
Price history (this unit)
- Sep 18, 2026 — Listed $2,950,000
- Mar 3, 2020 — Sold (MLS) $2,912,500
- Mar 3, 2020 — Sold (Public Records) $2,912,500
- Jan 9, 2020 — Listed $2,995,000
- Jul 24, 2014 — Price Changed $2,700,000
- Jul 24, 2014 — Sold (MLS) $2,700,000
Description
Contemporary design, refined finishes, and exceptional private outdoor space define this two-level Russian Hill condo. Built in 2014, the three-bedroom, three-and-a-half-bath residence features hardwood floors, Waterworks fixtures, abundant natural light, and a well-conceived floor plan across two levels. At the rear of the main level, an expansive great room encompasses the kitchen, living, and dining areas, with French doors opening directly to the south-facing garden and deck. The spacious living and dining areas are designed for effortless entertaining, with floating white oak shelving adding warmth and architectural interest. The kitchen features marble countertops, integrated…