1149 Fell 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
19% 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 $12,295.
Not FHA-approved. No 3.5%-down FHA financing on this unit, so the realistic floor is a 5%-down conventional loan ($92,450). 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 ($400 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
- Garage parking
- Low HOA (0.3%/yr)
⚠️ Cons
- 40% above model fair value
- Older building (1925)
- Only 1 bath
🚩 Red flags
Photos
Price history (this unit)
- Sep 7, 2026 — Listed $1,649,000
- Feb 26, 2020 — Sold (MLS) $1,769,000
- Jan 30, 2020 — Listed $1,425,000
Description
Welcome home to this beautifully remodeled, light and airy top-floor Edwardian condominium, where timeless San Francisco architecture meets thoughtful modern design. Spanning over 1,400 square feet, this two-bedroom home offers a wonderful sense of scale, abundant natural light, gorgeous hardwood floors, designer lighting and beautiful architectural details throughout. The expansive living room flows seamlessly into a generous dining area, creating the perfect setting for both everyday living and entertaining. At the heart of the home, a beautifully appointed kitchen features custom cabinetry, quartz countertops, abundant counter space and high-end appliances. Down the hall, two serene…