1250 Clay St #203
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
32% of that payment is not the mortgage. The HOA fee alone is $51,000 over five years — money that buys you no equity. A calculator that defaulted the fee to zero would have quoted you $4,017.
Not FHA-approved. No 3.5%-down FHA financing on this unit, so the realistic floor is a 5%-down conventional loan ($29,950). 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 ($850 in 2026), not enough for a trend yet. The listing shows $850/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
- HOA under the Sf District 8 norm ($850 vs $1366/mo)
⚠️ Cons
- Small (575 sf)
- HOA $850/mo
- Older building (1950)
🚩 Red flags
Photos
Price history (this unit)
- Sep 21, 2026 — Listed $599,000
Description
Beautifully remodeled and ideally located in Nob Hill, this one-bedroom, one-bath condominium offers comfortable city living in a great location. The renovated kitchen features new appliances and opens to a bright living area with hardwood floors and direct access to a shared balcony. A beautifully updated bathroom and comfortable bedroom complete the home, while the shared rooftop deck offers sweeping views of the San Francisco skyline, including Coit Tower, the Transamerica Pyramid, and Bay Bridge. It's a wonderful spot to take in the city, from everyday sunsets to Blue Angels and fireworks. Elevator access and additional storage add convenience to this well-located Nob Hill home. Close…