1408 31st Ave #405
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 $41,040 over five years — money that buys you no equity. A calculator that defaulted the fee to zero would have quoted you $8,990.
Not FHA-approved. No 3.5%-down FHA financing on this unit, so the realistic floor is a 5%-down conventional loan ($67,500). 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 $684/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 4)
- In-unit W/D
- Garage parking
- Low HOA (0.6%/yr)
⚠️ Cons
- HOA $684/mo
🚩 Red flags
Photos
Price history (this unit)
- Sep 25, 2026 — Listed $1,350,000
- Apr 1, 2016 — Sold (Public Records) $1,138,000
Description
Sweeping views and effortless Central Sunset living await at 1408 31st Avenue, No. 405. This top-floor, three-bedroom, three-bathroom condominium is the building's most coveted residence. Featuring a spacious open floor plan, beautiful hardwood floors, and a private balcony showcasing sweeping views of the Pacific Ocean, Sutro Tower, Golden Gate Park, and the Golden Gate Bridge, which can also be enjoyed from the living room and all three bedrooms. At the heart of the home, an expansive open floor plan creates an inviting space for everyday living and entertaining. The chef's kitchen offers a brand-new, stainless steel stove, refrigerator, and dishwasher, along with ample cabinetry and an…