161 Gilbert St #16
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
34% of that payment is not the mortgage. The HOA fee alone is $57,120 over five years — money that buys you no equity. A calculator that defaulted the fee to zero would have quoted you $3,792.
Not FHA-approved. No 3.5%-down FHA financing on this unit, so the realistic floor is a 5%-down conventional loan ($28,250). 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 ($952 in 2026), not enough for a trend yet. The listing shows $952/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
- 12% below model fair value
- On market 85 days → some leverage
- Garage parking
⚠️ Cons
- HOA $952/mo
- Ground floor
🚩 Red flags
- Listed BELOW its 2026 sale ($633k) → value eroding
Photos
Price history (this unit)
- Sep 16, 2026 — Price Changed $565,000
- Jul 9, 2026 — Listed $575,000
- Feb 24, 2026 — Sold (Public Records) $632,500
- Jan 5, 2026 — Rental Removed $4,500
- Dec 31, 2025 — Listed for Rent $4,500
- Jul 4, 2024 — Rental Removed $3,850
Description
Modern loft-style condo in the heart of San Francisco's SoMa! This move-in-ready 1-bedroom, 1-bath home features a spacious open layout, cozy fireplace, stainless steel appliances, fresh interior paint, and an attached garage parking space. Ideally located near Oracle Park, Chase Center, Caltrain, Mission Bay, downtown, dining, shopping, and major commuter routes. Whether you're a first-time buyer, professional, or investor, this is an outstanding opportunity to own in one of San Francisco's most sought-after neighborhoods.