1150 Sacramento St #102
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
28% of that payment is not the mortgage. The HOA fee alone is $188,520 over five years — money that buys you no equity. A calculator that defaulted the fee to zero would have quoted you $18,924.
Not FHA-approved. No 3.5%-down FHA financing on this unit, so the realistic floor is a 5%-down conventional loan ($142,500). 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 ($3,127 in 2026), not enough for a trend yet. The listing shows $3,142/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
- In-unit W/D
- Garage parking
- Low HOA (1.3%/yr)
⚠️ Cons
- 36% above model fair value
- HOA $3142/mo
- Ground floor
🚩 Red flags
- Very high HOA $3142/mo (full-service high-rise)
Photos
Price history (this unit)
- Sep 17, 2026 — Listed $2,850,000
- Jan 31, 1996 — Sold (MLS) $660,000
- Jun 9, 1995 — Listed $695,000
Description
Situated in an iconic Nob Hill location across the street from Huntington Park, apartment 102 offers a rare loft-like floor plan. Built in 1989, this modern, 7 story boutique building has 29 units and front door staff from 7am-11pm, 7 days a week. Apartment 102 is massive in scale and has hardwood floors, soaring loft-like ceilings and excellent privacy. The two levels are served by an elevator which opens directly into the unit with a private entry on both levels. On the upper level there are 2 bedrooms, 2 full baths, and the main kitchen. Adjacent to the kitchen is a balcony with a den and dining area overlooking the two story great room. The pinnacle of the home is the exceptionally…