1101 Green St #204
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
41% of that payment is not the mortgage. The HOA fee alone is $83,460 over five years — money that buys you no equity. A calculator that defaulted the fee to zero would have quoted you $3,527.
Not FHA-approved. No 3.5%-down FHA financing on this unit, so the realistic floor is a 5%-down conventional loan ($26,250). 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. We have one recorded fee on file ($1,828 in 2026), not enough for a trend yet. The listing shows $1,391/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
- Est. rent ~$1,851/mo if kept as a rental
⚠️ Cons
- 16% above model fair value
- Small (444 sf)
- HOA $1391/mo
🚩 Red flags
- Very high HOA $1391/mo (full-service high-rise)
Photos
Price history (this unit)
- Oct 1, 2026 — Listed $525,000
- Feb 3, 2022 — Price Changed $1,000
Description
One-of-a-kind studio pied-a-terre in Bellaire Tower, one of Russian Hill's most recognizable Art Deco addresses. Designed by San Francisco architect H. C. Baumann and completed in 1930, the 20-story tower is known for its elegant period architecture and full-service living. Set on the second floor, Unit #204 enjoys southeast exposure, soft morning light, and city outlooks from the living space and kitchen. Original character remains intact, while fresh paint, beautifully refinished wood floors, and a galley kitchen with new appliances give the residence a crisp, move-in-ready feel. Three interior closets and a separate deeded storage unit provide excellent storage. Residents enjoy 24-hour…