1233 20th Ave
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
20% of that payment is not the mortgage. The HOA fee alone is $23,100 over five years — money that buys you no equity. A calculator that defaulted the fee to zero would have quoted you $10,315.
Not FHA-approved. No 3.5%-down FHA financing on this unit, so the realistic floor is a 5%-down conventional loan ($77,500). 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 ($385 in 2026), not enough for a trend yet. The listing shows $385/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
- Low HOA (0.3%/yr)
⚠️ Cons
- Photos look dim — verify light in person
🚩 Red flags
Photos
Price history (this unit)
- Oct 2, 2026 — Listed $1,550,000
- Apr 24, 2018 — Sold (Public Records) $1,260,000
- Jan 4, 2013 — Sold (MLS) $685,000
- Jan 4, 2013 — Sold (Public Records) $685,000
- Oct 1, 2012 — Listed $699,000
Description
Priced to sell! Approximately $8,500 in current gross monthly rental income, per seller, paired with HOA dues of just $385 per month. Built in 2001, 1233 20th Ave offers established rental income with month-to-month tenancies in a desirable Sunset District location. Golden Gate Park is just one block away, while Irving Street's cafs, shops, and restaurants are steps from the property. Nearby MUNI lines add everyday convenience. An appealing opportunity to build or expand a real estate investment portfolio!