1 Florence St #5
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
Not FHA-approved. No 3.5%-down FHA financing on this unit, so the realistic floor is a 5%-down conventional loan ($75,000). 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 2026-11-05 — 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
We haven't reconstructed a multi-year fee history for this building yet. Upload its HOA docs and we'll build the full reserve & special-assessment report — free.
🏢 Get this building's free HOA report →✅ Positives
- BART walkable (0.9 mi)
⚠️ Cons
- 23% above model fair value
- Older building (1958)
- Ground floor
🚩 Red flags
Photos
Price history (this unit)
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Description
Perched on one of the most charming and upscale blocks atop Russian Hill, One Florence Street Unit 5 commands iconic views of the San Francisco skyline, the Bay Bridge, North Beach, Coit Tower, and water views. This handsome outlook in a mid-century 6-unit elevator building is snugly situated on a premier block of Russian Hill at one of the highest points in the city. The well-designed floor plan featuring 2 bedrooms, 2 bathrooms, updated kitchen, and a wood-burning fireplace merges with knockout views of SF. Additional storage and one-car garage parking included. Serene location with easy access to all the City has to offer.