1335 Minna St #1
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
22% of that payment is not the mortgage. The HOA fee alone is $35,940 over five years — money that buys you no equity. A calculator that defaulted the fee to zero would have quoted you $8,388.
Not FHA-approved. No 3.5%-down FHA financing on this unit, so the realistic floor is a 5%-down conventional loan ($62,950). 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 ($599 in 2026), not enough for a trend yet. The listing shows $599/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
- Garage parking
- Low HOA (0.6%/yr)
⚠️ Cons
- HOA $599/mo
- Ground floor
- Photos look dim — verify light in person
🚩 Red flags
Photos
Price history (this unit)
- Oct 2, 2026 — Listed $1,259,000
- Apr 15, 2005 — Sold (MLS) $767,000
- Apr 15, 2005 — Sold (Public Records) $767,000
- Mar 9, 2005 — Listed $679,000
Description
Captivating, chic, and capacious loft characterized by soaring ceilings, contemporary finishes, modern upgrades, cloistered sleeping area with en-suite updated bathroom, and located in the highly desirable and vibrant Mission District of San Francisco! The home presents significant scale with towering ceilings, a wall of windows with cascading natural light, gorgeous wood floors accentuating modern warmth with contemporary design, and a coveted open floor plan for 21st century lifestyles. The living area has been tastefully updated with built-in display niche's, a gas fireplace, an office space with heated flooring, a half-bathroom, and direct access to the inviting and fashionable outdoor…