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Stealpad › San Francisco, CA › ZIP 94109 › 1101 Green St #403
1101 Green St #403 — 1 bd condo for sale in ZIP 94109, San Francisco
23Overpriced

1101 Green St #403

ZIP 94109, San Francisco, CA · 94109
$1,039,000 23% above mkt
1 bd · 1.5 ba · 917 sqft · $1,133/sf
HOA $1,828/mo · 🏢 fee history ↓ · Floor 4 · 23 days on market · built 1930
⚠️ HOA trap
⚖️ Adjusted valueOverpricedasking is +23% over fair value
Model fair value · 39 sold comps · ±14%$864,768
vs model fair value · size · beds/baths · age · HOA · location+20%
Condition · Avg / verify in person0
Price history · ≈2% below its peak+3%
📐 How this Deal Score was built23Overpriced
Value gap · asking vs model fair value, after condition & price history−27.6
HOA burden · $1,828/mo = 2.11%/yr of price vs a 1.33% norm−6.3
Days on market · 23 days — not long enough to give you leverage0
Raw advantage · the three above, combined−33.9
Model confidence · moderate — ±14% typical model error across 39 sold comps. The less certain the model, the harder the gap is pulled back toward neutral×0.8
Deal Score23/100

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

$8,759/mo all-in
20% down at 7.4% (this week's 30-year average) · mortgage + tax + insurance + HOA
Mortgage principal & interest$5,755
Property tax (1.30% effective)$1,126
Insurance (estimate)$50
HOA dues$1,828
Total monthly$8,759
Rough cash to close$233,775

34% of that payment is not the mortgage. The HOA fee alone is $109,680 over five years — money that buys you no equity. A calculator that defaulted the fee to zero would have quoted you $6,931.

Financing type

Not FHA-approved. No 3.5%-down FHA financing on this unit, so the realistic floor is a 5%-down conventional loan ($51,950). 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. We have one recorded fee on file ($1,828 in 2026), not enough for a trend yet. The listing shows $1,828/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
  • Upper floor (fl 4)
  • In-unit W/D
  • Garage parking
⚠️ Cons
  • 20% above model fair value
  • HOA $1828/mo
  • Older building (1930)
🚩 Red flags
  • Very high HOA $1828/mo (full-service high-rise)

Photos

Price history (this unit)

Trough $225,000 Oct 14, 1994Now $1,039,000Peak $1,065,000 Sep 18, 2026
Current list price is 2% below its peak · +362% above its trough.
  • Sep 18, 2026 — Listed $1,065,000
  • Dec 3, 2003 — Sold (Public Records) $555,000
  • Mar 5, 1999 — Sold (MLS) $369,000
  • Mar 5, 1999 — Sold (Public Records) $369,000
  • Jul 18, 1998 — Listed $369,000
  • Oct 7, 1997 — Sold (MLS) $272,000

Description

Welcome to Russian Hill and this elegant view condominium in the Bellaire Tower, an historic San Francisco art deco landmark. Offering a north facing, four room, one bedroom residence with views of the Golden Gate Bridge, San Francisco Bay and the city skyline, A remodeled kitchen, 1 1/2 baths, separate dining room, generous sized living room and bedroom, walk-in closets, oak floors and classic architectural detail and style. Residents enjoy 24-hour doorman service, valet parking, elevator and a grand scale lobby entrance. Its just a short walk to The Hyde Street cable car, numerous restaurants and shops, city parks and North Beach. Don't miss this lovely condominium in one of San…

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