1133 Church St
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
20% of that payment is not the mortgage. The HOA fee alone is $24,000 over five years — money that buys you no equity. A calculator that defaulted the fee to zero would have quoted you $9,652.
Not FHA-approved. No 3.5%-down FHA financing on this unit, so the realistic floor is a 5%-down conventional loan ($72,500). 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 ($300 in 2026), not enough for a trend yet. The listing shows $400/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
- On market 62 days → some leverage
- In-unit W/D
- Low HOA (0.3%/yr)
⚠️ Cons
- 30% above model fair value
- Older building (1906)
- Only 1 bath
🚩 Red flags
Photos
Price history (this unit)
- Aug 10, 2026 — Listed $1,450,000
- Mar 1, 2018 — Sold (MLS) $1,375,000
- Jan 24, 2018 — Listed $1,089,000
- May 11, 2007 — Sold (MLS) $848,000
- May 11, 2007 — Sold (Public Records) $380,000
- May 11, 2007 — Sold (Public Records) $848,000
Description
Luminous, expansive, open-plan living delivers spectacular natural light, sparkling views & ease of indoor-outdoor use in a fantastic, walkable Noe location. Airy Edwardian condominium residence, polished with elegance & care the 3 beds + remodeled bath share high ceilings, warm hardwood flooring & charming historic details. A sheltered, walk-out deck + lounge, opens the home to the views of downtown, and the East bay providing access to the professionally landscaped, shared garden with playhouse, dining area and lounge. A robust family /bonus room below, with separate street access, is outfitted as a fun play space, could function as offices, zoom room or guest quarters. A laundry &…