1314 Larkin St
This unit is asking far less than comparable sales — so much less that the gap is more likely something we cannot see from the listing than equity you would own: a deed restriction, a TIC or shared-ownership form, a leasehold, or a unit that is not really comparable to the homes it was measured against. A discount that large is usually a reason, not a bargain. We would rather tell you we cannot verify it than sell you a number.
💵What this unit actually costs per month
23% of that payment is not the mortgage. The HOA fee alone is $30,180 over five years — money that buys you no equity. A calculator that defaulted the fee to zero would have quoted you $6,488.
Not FHA-approved. No 3.5%-down FHA financing on this unit, so the realistic floor is a 5%-down conventional loan ($49,500). 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 2026-11-05 — 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 ($503 in 2026), not enough for a trend yet. The listing shows $503/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
- 25% below model fair value
- Low HOA (0.6%/yr)
⚠️ Cons
- Older building (1908)
🚩 Red flags
Photos
Price history (this unit)
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Description
Welcome home to this inviting full-floor condominium in the heart of Lower Nob Hill, one of San Francisco’s most walkable and architecturally rich neighborhoods. Set on the first floor of a boutique 3-unit Edwardian building, this 3-bedroom, 1.5-bath residence offers 1,450 square feet of comfortable living, where classic character meets a thoughtful top-to-bottom remodel. The home has been renovated with care, featuring beautifully refinished hardwood floors, a brand-new kitchen with new appliances and a large pantry, updated baths, new windows, new recessed lighting, and a new furnace, so you can settle in and simply enjoy it. High ceilings and beautiful wainscoting carry the home’s…