1440 Montgomery St #41
💵What this unit actually costs per month
Not FHA-approved. No 3.5%-down FHA financing on this unit, so the realistic floor is a 5%-down conventional loan ($442,500). 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. 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)
⚠️ Cons
- Older building (1940)
- Photos look dim — verify light in person
🚩 Red flags
Photos
Price history (this unit)
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Description
Some homes are remodeled to sell. This one wasn't. The owners designed this Telegraph Hill penthouse for themselves, and you can feel the difference. Every choice was made for the experience of living here, not for the expectations of the market: custom millwork, marine brass, curated stone, integrated lighting and technology, radiant floors and details designed to disappear into the architecture. And then there are the views. The full sweep of the Bay Bridge, downtown, Alcatraz and Coit Tower, with ferries crossing the Bay, cruise ships coming into port and Telegraph Hill's famous parrots flying past. The views follow you through the day from coffee in the kitchen to getting ready in the…