1260 Minnesota St #104
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
24% of that payment is not the mortgage. The HOA fee alone is $47,700 over five years — money that buys you no equity. A calculator that defaulted the fee to zero would have quoted you $8,825.
Not FHA-approved. No 3.5%-down FHA financing on this unit, so the realistic floor is a 5%-down conventional loan ($66,250). 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 ($795 in 2026), not enough for a trend yet. The listing shows $795/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
- Low HOA (0.7%/yr)
- Newer build (2015)
⚠️ Cons
- 22% above model fair value
- HOA $795/mo
- Ground floor
🚩 Red flags
Photos
Price history (this unit)
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Description
Modern, polished, and classic. Millwheel North Residence 104 is a beautifully designed two-bedroom, two-bath home tucked into one of the neighborhood's most desirable enclaves, just moments from the Minnesota Street Project and surrounded by the creativity, culture and energy that make Dogpatch one of San Francisco's most distinctive and vibrant neighborhoods. Welcome home to a generous living and dining space with abundant natural light and an easy sense of flow. A gas fireplace anchors the room with warmth and creates a natural focal point, while the open kitchen keeps everything connected. Stainless steel appliances, crisp white cabinetry, oversized countertops, perfectly for morning…