1200 Gough St Unit 3A
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
34% of that payment is not the mortgage. The HOA fee alone is $106,680 over five years — money that buys you no equity. A calculator that defaulted the fee to zero would have quoted you $6,996.
Not FHA-approved. No 3.5%-down FHA financing on this unit, so the realistic floor is a 5%-down conventional loan ($52,444). 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
- 18% below model fair value
- In-unit W/D
- Garage parking
⚠️ Cons
- HOA $1778/mo
- Older building (1966)
- Ground floor
🚩 Red flags
- Very high HOA $1778/mo (full-service high-rise)
- Only 1 photo — verify condition
Photos
Price history (this unit)
- Jan 30, 2026 — Rental Removed $5,750
- Jan 27, 2026 — Price Changed $5,750
- Jan 20, 2026 — Listed for Rent $6,000
- Sep 8, 2025 — Sold (Public Records) $940,000
- Aug 15, 2012 — Sold (Public Records) $670,000
Description
Spacious and beautifully updated corner 2BD/2BA residence offering approximately 1,500 sq. ft. of sophisticated living in Cathedral Hill. The open-concept layout features generous living and dining areas filled with natural light, along with a rarely available in-unit Miele washer and dryer. The modern kitchen showcases quartz countertops, a large island, abundant cabinetry, an electric range, dishwasher, and the refrigerator. The primary suite offers generous closet space and a stunningly updated en-suite bathroom with a spacious walk-in shower. The bright second bedroom features a wall of windows, oversized walk-in closet, and direct access to a private balcony. Additional amenities…