1001 California St #7
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 $325,920 over five years — money that buys you no equity. A calculator that defaulted the fee to zero would have quoted you $34,486.
Not FHA-approved. No 3.5%-down FHA financing on this unit, so the realistic floor is a 5%-down conventional loan ($260,000). 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 2026-10-08 — 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
2 recorded pointsReconstructed from 2 units of recorded sales at 1001 California St — every recorded sale carries its HOA fee and date. No listing site shows this.
We have a few recorded HOA fees for this building but not yet enough to call a reliable trend, so these are the raw points — no rate implied. Its documents fill in the reserve health and assessment risk.
🏢 Get this building's full reserve & assessment report — free →✅ Positives
- On market 60 days → some leverage
- In-unit W/D
- Low HOA (1.3%/yr)
⚠️ Cons
- 124% above model fair value
- HOA $5432/mo
- Older building (1914)
🚩 Red flags
- Very high HOA $5432/mo (full-service high-rise)
Photos
Price history (this unit)
- Aug 12, 2026 — Listed $5,200,000
- Nov 24, 2010 — Sold (MLS) $3,500,000
- Nov 24, 2010 — Sold (Public Records) $3,500,000
- Nov 5, 2010 — Listed $3,500,000
- Jun 30, 2006 — Sold (Public Records) $2,972,500
- Jul 31, 1998 — Sold (MLS) $3,250,000
Description
Built in 1914 in the grand Haussmann style by renowned architect Houghton Sawyer, 1001 California Street is one of San Francisco's most iconic residential buildings. This blush-hued Beaux-Arts landmark combines timeless architectural elegance with the convenience and service of a premier Nob Hill address. Occupying the highest full-floor residence in the building, Residence 7 offers a remarkable blend of scale, character, and sophistication. A dramatic living room with soaring ceilings is crowned by a magnificent curved stained-glass skylight, creating a truly unforgettable centerpiece. Adjacent to the living room, a richly paneled library/family room connects to a private office or…