1301 Fulton St #203
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
26% of that payment is not the mortgage. The HOA fee alone is $35,460 over five years — money that buys you no equity. A calculator that defaulted the fee to zero would have quoted you $5,010.
Not FHA-approved. No 3.5%-down FHA financing on this unit, so the realistic floor is a 5%-down conventional loan ($37,450). 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 ($591 in 2026), not enough for a trend yet. The listing shows $591/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
- In-unit W/D
- Low HOA (0.9%/yr)
⚠️ Cons
- HOA $591/mo
🚩 Red flags
Photos
Price history (this unit)
- Sep 10, 2026 — Listed $775,000
- Feb 13, 2009 — Sold (MLS) $450,000
- Feb 13, 2009 — Sold (Public Records) $450,000
- Dec 18, 2008 — Listed $465,000
- Feb 16, 2007 — Sold (Public Records) $430,000
- Sep 1, 2000 — Sold (MLS) $325,000
Description
Freshly updated and move-in ready. One-bedroom, one-bath NOPA condominium with brand-new sustainable flooring throughout, updated bathroom with new vanity, kitchen with stainless steel appliance package, and a wood-burning fireplace. Brand-new refrigerator, dishwasher, and microwave. Spacious bedroom with a work nook and walk-in closet. In-unit washer/dryer, parking, storage, and a shared courtyard. Excellent location near neighborhood favorites including Nopa, Brenda's Meat & Three, Bi-Rite Market, 4505 Burgers & BBQ, Beretta, and Horsefeather, with Alamo Square, the Panhandle, and Golden Gate Park nearby and convenient access to public transportation.