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Stealpad › San Francisco, CA › ZIP 94131 › 10 Topaz Way
10 Topaz Way — 3 bd condo for sale in ZIP 94131, San Francisco
47Fair price

10 Topaz Way

ZIP 94131, San Francisco, CA · 94131
$1,399,000 ~at market (+3%)
3 bd · 2.5 ba · 1,868 sqft · $749/sf
No HOA listed · 8 days on market · built 1968
⚖️ Adjusted valueFairly pricedasking is +3% over fair value
Model fair value · 4 sold comps · ±14%$1,421,474
vs model fair value · size · beds/baths · age · HOA · location−2%
Condition · Avg / verify in person0
Price history · at/near its all-time high+5%
📐 How this Deal Score was built47Fair price
Value gap · asking vs model fair value, after condition & price history−3.6
HOA burden · no HOA published — estimated at 0.57%/yr so missing data isn't a free pass0
Days on market · 8 days — not long enough to give you leverage0
Raw advantage · the three above, combined−3.6
Model confidence · moderate — ±14% typical model error across 4 sold comps. The less certain the model, the harder the gap is pulled back toward neutral×0.8
Deal Score47/100

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

$9,315/mo all-in
20% down at 7.4% (this week's 30-year average) · mortgage + tax + insurance
Mortgage principal & interest$7,749
Property tax (1.30% effective)$1,516
Insurance (estimate)$50
Total monthly$9,315
Rough cash to close$314,775
Financing type

Not FHA-approved. No 3.5%-down FHA financing on this unit, so the realistic floor is a 5%-down conventional loan ($69,950). 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. Upload its HOA docs and we'll build the full reserve & special-assessment report — free.

🏢 Get this building's free HOA report →
✅ Positives
  • Garage parking
⚠️ Cons
  • Older building (1968)
  • Photos look dim — verify light in person
🚩 Red flags
  • Back on market — this unit was off the market and was relisted Oct 4

Photos

Price history (this unit)

Trough $631,000 Nov 13, 2009Now $1,399,000Peak $688,000 Jul 10, 2009
Current list price is +103% above its prior peak (listed at an all-time high) · +122% above its trough.
  • Nov 13, 2009 — Sold (MLS) $631,000
  • Nov 13, 2009 — Sold (Public Records) $631,000
  • Aug 13, 2009 — Price Changed $648,000
  • Jul 10, 2009 — Listed $688,000

Description

This is the perfect 10! 10 TOPAZ, Mid century Modern. Stunning remodel with great open spaces and updated kitchen and two and one half bath home. NO DUES- This is like owning a single family home! no CCRs Two car garage with direct access into the home. Great family room opens out to a private patio. Multiple deck off the upper bedrooms. Baths are high end redone spa like - covered patio on upper level is wonderful! Close to shopping transportation and easy freeway access! All updated and new roof! Must see this fantastic property!

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