1200 Castro St #1
💵What this unit actually costs per month
25% of that payment is not the mortgage. The HOA fee alone is $31,500 over five years — money that buys you no equity. A calculator that defaulted the fee to zero would have quoted you $5,341.
Not FHA-approved. No 3.5%-down FHA financing on this unit, so the realistic floor is a 5%-down conventional loan ($39,950). 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 2026-10-08 — 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 ($525 in 2026), not enough for a trend yet. The listing shows $525/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
- Low HOA (0.8%/yr)
⚠️ Cons
- Older building (1913)
- Ground floor
🚩 Red flags
- Listed BELOW its 2022 sale ($870k) → value eroding
Photos
Price history (this unit)
- Oct 9, 2026 — Listed $799,000
- May 23, 2022 — Sold (MLS) $870,000
- Mar 30, 2022 — Listed $895,000
- Jun 25, 2019 — Listed $847,500
- Jun 25, 2019 — Sold (MLS) $847,500
Description
Noe Valley living at its best, right off Elizabeth Street, just one block from 24th Street, with coffee shops, neighborhood dining, and groceries all just steps away. Set on the first floor of a boutique building, this bright corner condo has the kind of charm that feels distinctly San Francisco. Multiple windows fill the living room with natural light, hardwood floors lend warmth throughout, and a brick-framed fireplace creates an inviting centerpiece. A true one-bedroom layout offers a separate living room, kitchen, and bedroom, giving each space a comfortable sense of its own. The kitchen has plenty of personality, with Carrara marble counters, a Heath Ceramics tile backsplash, stainless…