1515 Union St Unit 4D
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
Not FHA-approved. No 3.5%-down FHA financing on this unit, so the realistic floor is a 5%-down conventional loan ($71,500). 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. We have one recorded fee on file ($2,025 in 2026), not enough for a trend yet. Upload its HOA docs and we'll build the full reserve & special-assessment report — free.
🏢 Get this building's free HOA report →✅ Positives
- Newer build (2020)
⚠️ Cons
- 81% above model fair value
- Ground floor
🚩 Red flags
Photos
Price history (this unit)
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Description
Rare 2020-built luxury residence with iconic Golden Gate Bridge views in Pacific Heights, Cow Hollow neighborhood Residence 4D is an exceptional 1BD/1BA home in a boutique condominium of just 41 residences, ideally located between Cow Hollow, Pacific Heights, and Russian Hill. The open-concept living, dining, and kitchen area showcases breathtaking Golden Gate Bridge views, while the bedroom is positioned at the quieter rear of the residence for added privacy and tranquility. High-end finishes include custom European cabinetry, paneled Miele appliances, motorized window coverings, Miele washer/dryer, and a custom European-style Virtuoso walk-in closet system. Enjoy panoramic views extending…