1263 Oak St #5
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 $30,000 over five years — money that buys you no equity. A calculator that defaulted the fee to zero would have quoted you $4,679.
Not FHA-approved. No 3.5%-down FHA financing on this unit, so the realistic floor is a 5%-down conventional loan ($34,950). 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 ($500 in 2026), not enough for a trend yet. The listing shows $500/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
- 21% below model fair value
- Low HOA (0.9%/yr)
⚠️ Cons
- Older building (1905)
- Ground floor
- Only 1 bath
🚩 Red flags
Photos
Price history (this unit)
- Oct 2, 2026 — Listed $699,000
Description
Light-filled and rich with Edwardian charm, this top-floor condominium pairs high ceilings and period craftsmanship with an efficient, flexible floor plan. Built circa 1909 this two-bedroom, one-bath home offers approximately 796 square feet in an intimate five-unit building near the Panhandle, the NOPA/Divisadero corridor, Cole Valley and Lower Haight in the Haight Ashbury neighborhood. Approximately 11-foot ceilings enhance the sense of volume, while wainscoting, crown and picture-frame moldings, box beams, softwood floors and a decorative fireplace preserve the home's architectural character. Double-pane bay windows welcome abundant natural light and frame the urban outlooks. The vintage…