1408 31st Ave #307
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
23% of that payment is not the mortgage. The HOA fee alone is $31,800 over five years — money that buys you no equity. A calculator that defaulted the fee to zero would have quoted you $6,308.
Not FHA-approved. No 3.5%-down FHA financing on this unit, so the realistic floor is a 5%-down conventional loan ($47,250). 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 ($530 in 2026), not enough for a trend yet. The listing shows $530/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
- On market 79 days → some leverage
- Upper floor (fl 3)
- In-unit W/D
- Low HOA (0.7%/yr)
⚠️ Cons
- 10% above model fair value
🚩 Red flags
- Back on market — this unit was off the market and was relisted Oct 10
Photos
Price history (this unit)
- Dec 15, 2015 — Sold (MLS) $780,000
- Aug 27, 2015 — Listed $790,000
Description
Upper-level condo with Golden Gate views in the heart of the Sunset District. This modern and luxurious unit features an open floor plan with a living room that flows seamlessly into the dining area and spacious kitchen. Elegant details include hardwood flooring, rich crown molding, and designer lighting. The gourmet kitchen offers an abundance of cherry wood cabinetry, granite countertops & backsplash, stainless steel appliances, and a breakfast bar. This light-filled home features a primary bedroom with a spa-like en-suite bath. Both bedrooms are a generous size. Bathrooms are appointed with floor-to-ceiling tile, solid wood vanities, and granite countertops. Additional highlights include…