🏠 Stealpad
/
Stealpad › San Francisco, CA › ZIP 94109 › 1438 Green St Unit 5A
1438 Green St Unit 5A — 2 bd condo for sale in ZIP 94109, San Francisco
15Overpriced

1438 Green St Unit 5A

ZIP 94109, San Francisco, CA · 94109
$1,495,000 38% above mkt
2 bd · 2 ba · 1,206 sqft · $1,240/sf
HOA $1,948/mo · 🏢 fee history ↓ · Floor 1 · 10 days on market · built 1998
⚖️ Adjusted valueOverpricedasking is +38% over fair value
Model fair value · 39 sold comps · ±14%$1,104,137
vs model fair value · size · beds/baths · age · HOA · location+35%
Condition · Avg / verify in person0
Price history · at/near its all-time high+3%
📐 How this Deal Score was built15Overpriced
Value gap · asking vs model fair value, after condition & price history−45.6
HOA burden · $1,948/mo = 1.56%/yr of price vs a 1.33% norm−1.9
Days on market · 10 days — not long enough to give you leverage0
Raw advantage · the three above, combined−47.5
Model confidence · moderate — ±14% typical model error across 39 sold comps. The less certain the model, the harder the gap is pulled back toward neutral×0.8
Deal Score15/100

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

$11,898/mo all-in
20% down at 7.4% (this week's 30-year average) · mortgage + tax + insurance + HOA
Mortgage principal & interest$8,281
Property tax (1.30% effective)$1,620
Insurance (estimate)$50
HOA dues$1,948
Total monthly$11,898
Rough cash to close$336,375

30% of that payment is not the mortgage. The HOA fee alone is $116,880 over five years — money that buys you no equity. A calculator that defaulted the fee to zero would have quoted you $9,950.

Financing type

Not FHA-approved. No 3.5%-down FHA financing on this unit, so the realistic floor is a 5%-down conventional loan ($74,750). 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 ($1,948 in 2026), not enough for a trend yet. The listing shows $1,948/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
  • In-unit W/D
⚠️ Cons
  • 35% above model fair value
  • HOA $1948/mo
  • Ground floor
🚩 Red flags
  • Very high HOA $1948/mo (full-service high-rise)

Photos

Price history (this unit)

Trough $459,000 Apr 29, 1999Now $1,495,000Peak $1,495,000 Oct 1, 2026
Current list price is 0% below its peak · +226% above its trough.
  • Oct 1, 2026 — Listed $1,495,000
  • Jun 25, 2024 — Rental Removed $5,500
  • Jun 11, 2024 — Listed for Rent $5,500
  • Oct 30, 2017 — Sold (MLS) $1,420,000
  • Oct 30, 2017 — Sold (Public Records) $1,420,000
  • Sep 8, 2017 — Listed $1,395,000

Description

1438 Green Street 5A is a modern corner-unit condominium in an A+ location with beautiful south-facing outlooks and incredible natural sunlight. This 2 bedroom 2 bathroom condo features large double-pane windows with partial city views, wood floors, a beautiful kitchen with stainless steel appliances that opens to a spacious dining and living room, a large primary suite with 3 closets (including a walk-in) and a gracious dual-vanity ensuite bathroom, a sizable 2nd bedroom with another walk-in closet, and another full bathroom with tub off the hallway. Other in-unit amenities include a formal entry with a large coat closet as well as an in-unit laundry room. It also includes an…

More steals in ZIP 94109

See all 38 condos in ZIP 94109 →