1078 Sutter St Unit CU1
This is a commercial condo — business space that appears in the condo feed, not a home. Its $/sqft naturally sits far below residential units, so comparing it to condo comps would manufacture a spectacular fake discount. We don't score it at all.
💵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 ($23,250). 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
- Newer build (2014)
⚠️ Cons
- 17% above model fair value
- Small (381 sf)
- Photos look dim — verify light in person
🚩 Red flags
- Commercial condo — business space, not a home; residential comps and the Deal Score do not apply
Photos
Price history (this unit)
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Description
1078 Sutter Street presents a rare opportunity to acquire a ground floor retail/office condo in San Francisco. The 422± SF condo offers a compact, efficient footprint well suited for an user seeking a boutique urban retail/office holding with clear identity and direct street presence. Built in 2014, the property provides a more modern vintage than many comparable urban storefronts and is configured as a retail/office condo with one restroom. Zoning is RC-4-130-E/PEG-SUD, supporting its established retail or office positioning. This is a chance to secure a distinct street commercial condo property with straightforward scale, standalone visibility, and long-term flexibility within a…