155 Gardenside Dr #33
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
27% of that payment is not the mortgage. The HOA fee alone is $62,160 over five years — money that buys you no equity. A calculator that defaulted the fee to zero would have quoted you $7,659.
Not FHA-approved. No 3.5%-down FHA financing on this unit, so the realistic floor is a 5%-down conventional loan ($57,450). 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 ($1,036 in 2026), not enough for a trend yet. The listing shows $1,036/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
- 16% below model fair value
- On market 52 days → some leverage
- Upper floor (fl 3)
- Low HOA (1.1%/yr)
⚠️ Cons
- HOA $1036/mo
🚩 Red flags
- Very high HOA $1036/mo (full-service high-rise)
Photos
Price history (this unit)
- Aug 20, 2026 — Listed $1,149,000
Description
Experience spectacular panoramic views of San Francisco and the Bay from this exceptional two-bedroom, one full and one half bath, top-floor condominium. Ideally situated in Twin Peaks, this spacious two-level home combines abundant natural light, an extraordinary sense of privacy with some of the city's most captivating views. Elevator-accessible, this two-level home features a thoughtfully designed floor plan. The main level offers an eat-in kitchen with breakfast bar, along with a formal dining and living area with fireplace. A charming deck off the living room provides the perfect vantage point for taking in the sweeping city views. The upper level is dedicated to two generously…