134 Haight St Unit A
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
19% of that payment is not the mortgage. The HOA fee alone is $19,260 over five years — money that buys you no equity. A calculator that defaulted the fee to zero would have quoted you $11,092.
Not FHA-approved. No 3.5%-down FHA financing on this unit, so the realistic floor is a 5%-down conventional loan ($84,900). 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 2026-11-05 — 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 ($321 in 2026), not enough for a trend yet. The listing shows $321/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 (0.2%/yr)
⚠️ Cons
- 43% above model fair value
- Older building (1895)
🚩 Red flags
Photos
Price history (this unit)
- Nov 4, 2026 — Listed $1,698,000
- Sep 21, 2020 — Sold (MLS) $1,550,000
- Sep 21, 2020 — Sold (Public Records) $1,550,000
- Aug 13, 2020 — Price Changed $1,599,000
- Jul 25, 2020 — Listed $1,650,000
- Jun 3, 2011 — Sold (MLS) $794,000
Description
Classic elegance meets modern sophistication in this beautifully renovated, two-level condominium in the heart of Hayes Valley. This grand Victorian showcases exquisite architectural details, from its charming faade and ornate woodwork to its gracious interior, featuring soaring 12-foot ceilings, rich hardwood floors, a fireplace, and beautiful bay windows. This distinguished home offers 3 bedrooms, 2.5 bathrooms, and over 500 square feet of deeded outdoor space. The main level features an inviting open-concept living and dining area, a chef's kitchen with upscale finishes and stainless-steel Fisher & Paykel and Bosch appliances, and a stylish remodeled powder room. South-facing bay windows…