1145 Pine St #44
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
34% of that payment is not the mortgage. The HOA fee alone is $39,000 over five years — money that buys you no equity. A calculator that defaulted the fee to zero would have quoted you $2,645.
Not FHA-approved. No 3.5%-down FHA financing on this unit, so the realistic floor is a 5%-down conventional loan ($19,950). 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 ($784 in 2026), not enough for a trend yet. The listing shows $650/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)
⚠️ Cons
- Small (390 sf)
- HOA $650/mo
- Older building (1912)
🚩 Red flags
Photos
Price history (this unit)
- Oct 29, 2026 — Listed $399,000
- Oct 24, 2022 — Sold (MLS) $380,000
- Oct 24, 2022 — Sold (Public Records) $380,000
- Sep 6, 2022 — Price Changed $395,000
- Apr 28, 2022 — Listed $420,000
- Dec 2, 2005 — Sold (MLS) $350,000
Description
A hidden gem in the heart of Nob Hill! Set on the top floor of a beautiful Edwardian building, this delightful studio enjoys a wonderfully quiet position at the rear of the property, offering a surprising sense of calm in the middle of the city. Recently refreshed with soft sage green walls and dramatic botanical wallpaper, the space strikes a lovely balance between historic charm and contemporary style. A sunlit bay window, tall ceilings, intricate moldings, and hardwood floors showcase the home's classic San Francisco character, while a Murphy bed, separate kitchen, and generous closets make everyday living easy. Even the building's elevator is something special, a historic birdcage…