140 South Van Ness Ave #819
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
27% of that payment is not the mortgage. The HOA fee alone is $51,420 over five years — money that buys you no equity. A calculator that defaulted the fee to zero would have quoted you $6,004.
Not FHA-approved. No 3.5%-down FHA financing on this unit, so the realistic floor is a 5%-down conventional loan ($44,950). 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
✅ 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
- 12% below model fair value
- Upper floor (fl 8)
- Low HOA (1.1%/yr)
⚠️ Cons
- HOA $857/mo
- Photos look dim — verify light in person
🚩 Red flags
Photos
Price history (this unit)
- Sep 18, 2026 — Listed $899,000
- Dec 23, 2003 — Sold (MLS) $568,000
- Oct 17, 2003 — Listed $555,000
Description
Stunning 8th-floor corner unit with downtown skyline views. This 1,075-square-foot residence delivers the urban lifestyle with room to breathe. Positioned at the intersection of Hayes Valley, SoMa, and the Mission, the building sits directly on major shuttle routes serving Alphabet, Apple, Meta, Genentech, and Tesla. The open-concept floor plan maximizes light and flow, featuring soaring ceilings and a generous living/dining area that spills onto a private balcony. Downtown skyline views frame the space, while luxury vinyl plank flooring throughout and crisp white walls set a modern tone. In-unit laundry adds everyday convenience. The kitchen comes equipped with stainless steel…