1659 Dolores St
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 $27,000 over five years — money that buys you no equity. A calculator that defaulted the fee to zero would have quoted you $8,162.
Not FHA-approved. No 3.5%-down FHA financing on this unit, so the realistic floor is a 5%-down conventional loan ($61,250). 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 ($450 in 2026), not enough for a trend yet. The listing shows $450/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
- No in-unit W/D
🚩 Red flags
Photos
Price history (this unit)
- Sep 24, 2026 — Listed $1,225,000
Description
Welcome to 1659 Dolores Street, a beautiful full-floor condominium in an intimate 2-unit building in Noe Valley, where classic San Francisco character meets comfortable modern living. Rich period details shine throughout the home, including paneled walls, box-beam ceilings, a decorative fireplace, and an original built-in dining hutch. The flexible floor plan offers three bedrooms, one and a half remodeled bathrooms, a spacious kitchen with newer appliances, and a bright, sun-filled living room full of charm. Direct access from the unit leads to a beautifully landscaped shared backyarda peaceful outdoor retreat surrounded by greenery. Downstairs, a huge dedicated storage room provides…