1260 Minnesota St #302
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 $53,400 over five years — money that buys you no equity. A calculator that defaulted the fee to zero would have quoted you $9,189.
Not FHA-approved. No 3.5%-down FHA financing on this unit, so the realistic floor is a 5%-down conventional loan ($69,000). 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 $890/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 3)
- In-unit W/D
- Garage parking
- Low HOA (0.8%/yr)
⚠️ Cons
- 32% above model fair value
- HOA $890/mo
- Photos look dim — verify light in person
🚩 Red flags
Photos
Price history (this unit)
- Oct 2, 2026 — Listed $1,380,000
- Jun 20, 2019 — Sold (MLS) $1,400,000
- Jun 20, 2019 — Listed $1,400,000
- Jun 20, 2019 — Sold (Public Records) $1,400,000
Description
Sophisticated city living awaits at 1260 Minnesota Street #302, a beautifully appointed top floor light filled two-bedroom, two-bath condominium in the desirable Millwheel North community, ideally situated at the intersection of Dogpatch and Potrero Hill. Designed for both comfort and style, this inviting residence starts with unique city views that features a spacious, well-proportioned floor plan with generous living areas, and a well-appointed kitchen featuring stainless-steel appliances and a striking centerpiece island overlooking the living and dining areas. The open layout creates an effortless flow for everyday living, entertaining, and gathering. Two impressively sized bathrooms…