1101 Pacific Ave #602
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
27% of that payment is not the mortgage. The HOA fee alone is $98,940 over five years — money that buys you no equity. A calculator that defaulted the fee to zero would have quoted you $11,749.
Not FHA-approved. No 3.5%-down FHA financing on this unit, so the realistic floor is a 5%-down conventional loan ($89,950). 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 2026-11-05 — 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 ($1,649 in 2026), not enough for a trend yet. The listing shows $1,649/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 6)
- In-unit W/D
- Garage parking
- Low HOA (1.1%/yr)
⚠️ Cons
- 29% above model fair value
- HOA $1649/mo
🚩 Red flags
- Very high HOA $1649/mo (full-service high-rise)
Photos
Price history (this unit)
- Oct 23, 2026 — Listed $1,799,000
- Jul 17, 2020 — Sold (MLS) $1,530,000
- Jul 17, 2020 — Sold (Public Records) $1,530,000
- Jun 17, 2020 — Price Changed $1,549,000
- Jun 5, 2020 — Listed $1,588,000
- May 15, 2012 — Sold (MLS) $1,030,000
Description
Welcome home to 1101 Pacific Avenue #602! Just steps to chic cafes, restaurants and parks in prestigious Nob Hill, this gorgeously designed penthouse in a boutique elevator building offers convenience, tranquility and breathtaking views for modern San Francisco living. Newly built in 2000, this remodeled, light-filled north-facing condominium boasts 2 spacious bedrooms (including a grand primary suite with walk-in closet and luxurious en-suite bathroom featuring beautiful tilework, jetted tub and designer fixtures. The newly remodeled chef's kitchen features top-of-the-line appliances, quartz countertops, abundant custom cabinets and a breakfast area overlooking the formal dining room. The…