1250 Jones St #1201
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
25% of that payment is not the mortgage. The HOA fee alone is $234,300 over five years — money that buys you no equity. A calculator that defaulted the fee to zero would have quoted you $34,190.
Not FHA-approved. No 3.5%-down FHA financing on this unit, so the realistic floor is a 5%-down conventional loan ($262,500). 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 2026-11-05 — 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 ($3,905 in 2026), not enough for a trend yet. The listing shows $3,905/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
- Upper floor (fl 12)
- Garage parking
- Low HOA (0.9%/yr)
⚠️ Cons
- 62% above model fair value
- HOA $3905/mo
- Older building (1929)
🚩 Red flags
- Very high HOA $3905/mo (full-service high-rise)
Photos
Price history (this unit)
- Oct 16, 2026 — Listed $5,250,000
- Jan 18, 1995 — Sold (MLS) $1,050,000
- Sep 9, 1994 — Listed $1,245,000
Description
Magnificent full-floor Art Deco residence atop Nob Hill with sweeping views in every direction. Occupying the entire twelfth floor of the prestigious Clay-Jones building, this exceptional home features three bedrooms, a study, an office or dressing room, three bathrooms, two kitchens, and two terraces, creating a rare opportunity for grand-scale living in one of San Francisco's most iconic neighborhoods. 26 windows capture spectacular views of the Bay Bridge, Alcatraz, Coit Tower, Grace Cathedral, Sutro Tower, the downtown skyline, and glimpses of the Golden Gate Bridge. Rich period details include soaring ceilings, arches, hardwood floors, moldings, paneling, and built-ins. The elevator…