88 Guy Pl #403
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
28% of that payment is not the mortgage. The HOA fee alone is $71,700 over five years — money that buys you no equity. A calculator that defaulted the fee to zero would have quoted you $7,984.
Not FHA-approved. No 3.5%-down FHA financing on this unit, so the realistic floor is a 5%-down conventional loan ($59,900). 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 ($1,163 in 2026), not enough for a trend yet. The listing shows $1,195/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
- On market 46 days → some leverage
- Upper floor (fl 4)
- In-unit W/D
- Garage parking
⚠️ Cons
- HOA $1195/mo
- Photos look dim — verify light in person
🚩 Red flags
- Very high HOA $1195/mo (full-service high-rise)
- Live/work loft — workspace-heavy sqft and a thinner buyer pool inflate the apparent discount vs regular condo comps
Photos
Price history (this unit)
- Aug 26, 2026 — Listed $1,248,000
- Oct 7, 2016 — Sold (MLS) $1,070,000
- Oct 7, 2016 — Listed $1,095,000
Description
Work hard, live easy. This top-floor, three-level Live/Work loft puts you minutes from every major SOMA employer and gives you something most of them can't offer their engineers: your own exclusive-use roof deck. Sun-drenched south-facing windows fill the living room with natural light all day, while three distinct levels give you room to actually separate work, sleep, and downtime a rare find in the neighborhood. The main level anchors it all, with a den that closes off completely (its own connected bath makes it double as a guest room, home office, or Zoom-proof workspace). Up on the loft level use it as a bedroom or an office. And at the top, the pent level is the showstopper: spacious…