1388 Gough St #1201
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
31% of that payment is not the mortgage. The HOA fee alone is $122,400 over five years — money that buys you no equity. A calculator that defaulted the fee to zero would have quoted you $9,984.
Not FHA-approved. No 3.5%-down FHA financing on this unit, so the realistic floor is a 5%-down conventional loan ($75,000). 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 ($1,914 in 2026), not enough for a trend yet. The listing shows $2,040/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
- Upper floor (fl 12)
- Garage parking
⚠️ Cons
- 22% above model fair value
- HOA $2040/mo
🚩 Red flags
- Very high HOA $2040/mo (full-service high-rise)
Photos
Price history (this unit)
- Oct 1, 2026 — Listed $1,500,000
- Jan 20, 2026 — Rental Removed $6,850
- Dec 28, 2025 — Price Changed $6,850
- Dec 23, 2024 — Sold (MLS) $1,310,000
- Sep 5, 2024 — Listed $1,348,000
- Mar 25, 1998 — Sold (MLS) $586,000
Description
Welcome home to this beautiful and bright two bedroom, two bath view condominium on the 12th floor of the Post International. Centrally located on Cathedral Hill, this contemporary home features a spacious living room, dining area, contemporary kitchen, two bedrooms, and two bathrooms. The large bedrooms are located at opposite ends of the unit, offering privacy for the occupants. The primary bedroom has a very generously sized ensuite bathroom with double sinks, a large stall shower, a tub, and storage for towels and other necessities. The additional bedroom is currently configured as an office as well as a guest room. The second bathroom, off the hallway, is well appointed for guests and…