147 Day St #3
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
21% of that payment is not the mortgage. The HOA fee alone is $21,600 over five years — money that buys you no equity. A calculator that defaulted the fee to zero would have quoted you $6,639.
Not FHA-approved. No 3.5%-down FHA financing on this unit, so the realistic floor is a 5%-down conventional loan ($49,750). 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 ($360 in 2026), not enough for a trend yet. The listing shows $360/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
- Garage parking
- Low HOA (0.4%/yr)
⚠️ Cons
- 15% above model fair value
- Older building (1924)
- Ground floor
🚩 Red flags
- Listed BELOW its 2022 sale ($1200k) → value eroding
Photos
Price history (this unit)
- Sep 17, 2026 — Listed $995,000
- May 16, 2022 — Sold (Public Records) $1,200,000
- Sep 24, 2015 — Sold (Public Records) $1,050,000
- Oct 23, 2007 — Sold (Public Records) $723,000
- Jun 3, 2005 — Sold (Public Records) $715,000
- Dec 11, 2002 — Sold (Public Records) $415,000
Description
Welcome to an exceptional, oversized one-bedroom condominium in one of San Francisco’s most desirable and accessible neighborhoods. Ideally situated in Noe Valley between Church and Dolores, this nearly 1,000-square-foot residence offers a wonderful combination of space, character, style, and convenience—with a clear view of the historic twin steeples of iconic St. Paul’s Church, a distinctive and beautiful neighborhood landmark. Freshly painted and beautifully updated, the home is filled with natural light and features a spirited, character-rich floor plan that feels remarkably spacious for a one-bedroom. The generous living room and separate dining area provide plenty of room for relaxing…