1531 9th 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 $24,300 over five years — money that buys you no equity. A calculator that defaulted the fee to zero would have quoted you $8,328.
Not FHA-approved. No 3.5%-down FHA financing on this unit, so the realistic floor is a 5%-down conventional loan ($62,500). 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 ($405 in 2026), not enough for a trend yet. The listing shows $405/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
- 22% above model fair value
- Older building (1908)
- Only 1 bath
🚩 Red flags
Photos
Price history (this unit)
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Description
Charming Edwardian Character Meets Inner Sunset District Amazing! This inviting three-bedroom condo sits within a classic San Francisco Edwardian-style building, its bay window facade adding architectural charm to the block. Inside, rich hardwood floors flow beneath crown molding into a bright living room and a well-appointed and updated kitchen featuring cream cabinetry with glass-front uppers, granite countertops, a farmhouse sink, and a gas range and a handsome GE Cafe refrigerator and dishwasher. The primary bedroom impresses with a coffered ceiling, wainscoting, tall garden facing windows, a glass-paned bookcase and closet. A second bedroom offers a pocket door connection to the living…