1200 Gough St Unit 19E
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
33% of that payment is not the mortgage. The HOA fee alone is $77,940 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
3 recorded pointsReconstructed from 9 units of recorded sales at 1200 Gough St — every recorded sale carries its HOA fee and date. No listing site shows this.
We have a few recorded HOA fees for this building but not yet enough to call a reliable trend, so these are the raw points — no rate implied. Its documents fill in the reserve health and assessment risk.
🏢 Get this building's full reserve & assessment report — free →✅ Positives
- Garage parking
⚠️ Cons
- HOA $1299/mo
- Older building (1966)
- Ground floor
🚩 Red flags
- Very high HOA $1299/mo (full-service high-rise)
- Listed BELOW its 2018 sale ($1011k) → value eroding
Photos
Price history (this unit)
- Oct 9, 2026 — Listed $799,000
- Nov 14, 2018 — Sold (MLS) $1,011,011
- Nov 14, 2018 — Sold (Public Records) $1,011,500
- Oct 12, 2018 — Listed $978,000
- Apr 12, 2012 — Sold (Public Records) $400,000
Description
Expansive panoramic views set the tone for this exceptional residence at 1200 Gough. Unit 19E offers dramatic views across San Francisco, with the city and hills unfolding below. Floor-to-ceiling windows fill the home with natural light and bring the ever-changing cityscape into nearly every part of the residence. Step outside onto the private terrace and the perspective becomes even more impressive, a front-row seat to San Francisco from high above the city. With the Cathedral as a striking focal point, the panorama stretches to City Hall, across the city toward the South Bay, with even a peek of the Golden Gate Bridge in the distance to the north. Inside, the open-concept layout feels…