1269 Lombard St Unit B
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
20% of that payment is not the mortgage. The HOA fee alone is $54,600 over five years — money that buys you no equity. A calculator that defaulted the fee to zero would have quoted you $19,904.
Not FHA-approved. No 3.5%-down FHA financing on this unit, so the realistic floor is a 5%-down conventional loan ($149,900). 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 ($910 in 2026), not enough for a trend yet. The listing shows $910/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
- Garage parking
- Low HOA (0.4%/yr)
- Newer build (2013)
⚠️ Cons
- 114% above model fair value
- HOA $910/mo
🚩 Red flags
Photos
Price history (this unit)
- Sep 25, 2026 — Listed $2,998,000
- Feb 24, 2020 — Sold (MLS) $2,500,000
- Feb 24, 2020 — Sold (Public Records) $2,500,000
- Jan 13, 2020 — Listed $2,500,000
- May 18, 2015 — Sold (MLS) $2,880,000
- Oct 30, 2014 — Listed $3,395,000
Description
Welcome to life above the city in this peaceful three-story Russian Hill residence, where views of the Golden Gate Bridge, Alcatraz and the Bay, make every level feel connected to San Francisco. Built in 2013, this contemporary three-bedroom, two-bath residence lives like a single-family home. Its spectacular full floor rooftop deck is made for gathering, with generous space to dine, lounge, and take in the panorama. A retractable skylight adds an unexpected architectural moment, while the rarely available view-facing rear yard offers another place for alfresco barbecues and slow mornings watching the sun rise. Inside, wood floors and natural light carry through the open living and dining…