1433 Bush St #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
32% of that payment is not the mortgage. The HOA fee alone is $43,560 over five years — money that buys you no equity. A calculator that defaulted the fee to zero would have quoted you $3,353.
Not FHA-approved. No 3.5%-down FHA financing on this unit, so the realistic floor is a 5%-down conventional loan ($24,940). 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 ($730 in 2026), not enough for a trend yet. The listing shows $726/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 58 days → some leverage
- Upper floor (fl 4)
- Newer build (2019)
⚠️ Cons
- 25% above model fair value
- Small (383 sf)
- HOA $726/mo
🚩 Red flags
- Listed BELOW its 2019 sale ($600k) → value eroding
Photos
Price history (this unit)
- Aug 14, 2026 — Listed $498,800
- Aug 14, 2026 — Listed $498,800
- Nov 6, 2019 — Sold (Public Records) $600,000
Description
A modern studio in the heart of Lower Nob Hill, one of San Franciscos most vibrant and walkable neighborhoods. Built in 2019, this thoughtfully designed residence offers approximately 383 square feet of efficient living space with a bright, open layout ideal for contemporary city living. Floor-to-ceiling windows fill the home with abundant natural light, complemented by wide-plank wood flooring and a sleek European-style kitchen featuring quartz countertops and modern appliances. The well-appointed bathroom offers a clean, contemporary design with a glass-enclosed shower, while the in-unit washer and dryer provide added convenience. Residents of 1433 Bush Street enjoy access to a stunning…