1145 Pine St #46
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
31% of that payment is not the mortgage. The HOA fee alone is $47,040 over five years — money that buys you no equity. A calculator that defaulted the fee to zero would have quoted you $4,090.
Not FHA-approved. No 3.5%-down FHA financing on this unit, so the realistic floor is a 5%-down conventional loan ($30,500). 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 ($784 in 2026), not enough for a trend yet. The listing shows $784/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 80 days → some leverage
- Upper floor (fl 4)
⚠️ Cons
- HOA $784/mo
- Older building (1912)
🚩 Red flags
- Listed BELOW its 2022 sale ($700k) → value eroding
Photos
Price history (this unit)
- Sep 16, 2026 — Price Changed $610,000
- Jul 23, 2026 — Listed $650,000
- May 23, 2022 — Sold (MLS) $700,000
- May 23, 2022 — Sold (Public Records) $700,000
- May 1, 2022 — Listed $699,000
- Dec 28, 2017 — Sold (Public Records) $647,000
Description
Top-floor 1912 Edwardian with Downtown skyline and city views, at the edge of Nob Hill. Dual south-facing bay windows frame the outlook and fill the open living/dining room with light. 1bd/1ba, 604 sq ft (per graphic artist). Oak floors run throughout, with artisan stained glass at the front door. Kitchen features a four-burner Bertazzoni Italian range. Refreshed full bath. Generous walk-in closet just off the bedroom, plus a WiFi-connected Frigidaire Gallery AC for smart comfort. A shared elevator makes top-floor living effortless. Walk Score 99 (Walker's Paradise): the California Street cable car sits one block north at California & Jones, with Powell lines toward Union Square. Coffee at…