150 Prospect Ave
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 $24,000 over five years — money that buys you no equity. A calculator that defaulted the fee to zero would have quoted you $7,301.
Not FHA-approved. No 3.5%-down FHA financing on this unit, so the realistic floor is a 5%-down conventional loan ($54,750). 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 ($400 in 2026), not enough for a trend yet. The listing shows $400/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
- Low HOA (0.4%/yr)
⚠️ Cons
- 14% above model fair value
- Older building (1900)
- Only 1 bath
🚩 Red flags
- Listed BELOW its 2022 sale ($1200k) → value eroding
Photos
Price history (this unit)
- Feb 28, 2022 — Sold (MLS) $1,200,000
- Feb 28, 2022 — Sold (Public Records) $1,200,000
- Jan 21, 2022 — Listed $1,079,000
- Jun 24, 2003 — Sold (Public Records) $505,000
- Jun 21, 2003 — Sold (MLS) $505,000
- Apr 17, 2003 — Listed $449,500
Description
This top-floor Victorian flat in Bernal Heights has the gracious proportions of an older San Francisco. Tall ceilings, hardwood floors and generously scaled principal rooms set the tone. West-facing windows look out over the surrounding hills toward Twin Peaks, framing the brilliant sunsets the city is known for. The living space is all on one level, with a straightforward layout that adapts easily as needs change. There are two well-proportioned bedrooms and a third room that could serve as an office, nursery or studio. The oversized living room comfortably hosts large gatherings, while the kitchen and dining area, which share the hillside view, form the heart of the apartment: a place as…