140 South Van Ness Ave #724
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
29% of that payment is not the mortgage. The HOA fee alone is $45,780 over five years — money that buys you no equity. A calculator that defaulted the fee to zero would have quoted you $4,686.
Not FHA-approved. No 3.5%-down FHA financing on this unit, so the realistic floor is a 5%-down conventional loan ($35,000). 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
✅ Fairly steady · +5.6%/yrReconstructed from 11 units of recorded sales at 140 South Van Ness Ave — every recorded sale carries its HOA fee and date. No listing site shows this.
These dues have held relatively steady (about +5.6%/yr over 3 years across 11 units) — a good sign. Only the reserve study confirms the building is keeping up with its big-ticket repairs.
🏢 Get this building's full reserve & assessment report — free →✅ Positives
- Upper floor (fl 7)
- Garage parking
- Low HOA (1.3%/yr)
⚠️ Cons
- HOA $763/mo
🚩 Red flags
- Listed BELOW its 2019 sale ($865k) → value eroding
Photos
Price history (this unit)
- Aug 6, 2019 — Sold (MLS) $865,000
- Aug 6, 2019 — Sold (Public Records) $865,000
- Jul 11, 2019 — Listed $859,000
- May 17, 2013 — Sold (MLS) $535,000
- May 17, 2013 — Sold (Public Records) $535,000
- Apr 10, 2013 — Listed $535,000
Description
Positioned at the nexus where Hayes Valley, the Mission District, and SOMA converge, 140SVN #724 delivers an elevated urban lifestyle in the heart of San Francisco's Market Street Hub. This rare, two-level residence spans an expansive 830 square feet, featuring an architectural floor plan designed for true spatial separation between entertaining and private living spaces; it feels like a home. Favored with an abundance of natural light through multi-level window configurations, the bright main level features a guest half-bath, a modern kitchen, a dedicated dining area, and a living room overlooking the city. The second-level primary bedroom suite is complete with a generous walk-in closet…