1433 Bush St #502
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
33% of that payment is not the mortgage. The HOA fee alone is $43,800 over five years — money that buys you no equity. A calculator that defaulted the fee to zero would have quoted you $3,196.
Not FHA-approved. No 3.5%-down FHA financing on this unit, so the realistic floor is a 5%-down conventional loan ($23,750). 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 $730/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 51 days → some leverage
- Upper floor (fl 5)
- In-unit W/D
- Newer build (2019)
⚠️ Cons
- 17% above model fair value
- Small (391 sf)
- HOA $730/mo
🚩 Red flags
Photos
Price history (this unit)
- Aug 21, 2026 — Listed $475,000
Description
Sleek. Stylish. Smart. Welcome to an elevated studio retreat in the heart of San Francisco’s vibrant Lower Nob Hill. This fifth-floor gem blends boutique luxury with smart upgrades and modern functionality, including floor-to-ceiling windows, European wide-plank oak floors, and a layout designed to maximize space and light. The kitchen is outfitted with quartz countertops, a gas range, Calacatta quartz backsplash, and a Bosch counter-depth refrigerator. Enjoy the convenience of an LG washer/dryer combo and a sleek frameless glass shower in the spa-like bath. Custom touches include a Closet Factory wall-bed and organizer system that transforms the living space with flexible design, plus…