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Stealpad › San Francisco, CA › Western Addition › 1700 Gough St #211
1700 Gough St #211 — 1 bd condo for sale in Western Addition, San Francisco
34Priced high

1700 Gough St #211

Western Addition, San Francisco, CA · 94109
$699,000 15% above mkt
1 bd · 1 ba · 650 sqft · $1,075/sf
HOA $742/mo · 🏢 fee history ↓ · Floor 2 · 2 days on market · built 1980
⚠️ HOA trap
⚖️ Adjusted valueOverpricedasking is +15% over fair value
Model fair value · 28 sold comps within ½ mi · ±14%$623,943
vs model fair value · size · beds/baths · age · HOA · location+12%
Condition · Avg / verify in person0
Price history · at/near its all-time high+3%
📐 How this Deal Score was built34Priced high
Value gap · asking vs model fair value, after condition & price history−18
HOA burden · $742/mo = 1.27%/yr of price vs a 1.29% norm — at or below normal, no charge0
Days on market · 2 days — not long enough to give you leverage0
Raw advantage · the three above, combined−18
Model confidence · moderate — ±14% typical model error, 28 sold comps within half a mile. The less certain the model, the harder the gap is pulled back toward neutral×0.8
Deal Score34/100

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

$5,337/mo all-in
20% down at 7.18% (this week's 30-year average) · mortgage + tax + insurance + HOA
Mortgage principal & interest$3,788
Property tax (1.30% effective)$757
Insurance (estimate)$50
HOA dues$742
Total monthly$5,337
Rough cash to close$157,275

29% of that payment is not the mortgage. The HOA fee alone is $44,520 over five years — money that buys you no equity. A calculator that defaulted the fee to zero would have quoted you $4,595.

Financing type

FHA approval has expired on this project. An FHA buyer cannot use it today, and the fact that it once qualified and then stopped is worth asking the board about. Plan on a conventional loan — 5% down at the very least.

Minimum realistic down payment here: 5% · verify on HUD's lookup

Rate is the Freddie Mac PMMS 30-year average for the week of 2026-11-05 — 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 ($608 in 2026), not enough for a trend yet. The listing shows $742/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
  • Garage parking
  • Low HOA (1.3%/yr)
⚠️ Cons
  • 12% above model fair value
  • HOA $742/mo
🚩 Red flags
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Photos

Price history (this unit)

Trough $164,000 Feb 10, 1997Now $699,000Peak $699,000 Nov 6, 2026
Current list price is 0% below its peak · +326% above its trough.
  • Nov 6, 2026 — Listed $699,000
  • May 23, 2022 — Sold (MLS) $699,000
  • May 4, 2022 — Listed $699,000
  • Nov 22, 2005 — Sold (MLS) $505,000
  • Oct 5, 2005 — Listed $429,000
  • Mar 28, 1999 — Sold (MLS) $255,000

Description

Drop your coat in the entry closet and step into a spacious living room with three large windows looking out onto the rear garden. The semi-open layout gives you a view into the dining room, which sits right beside the galley kitchen and its brand-new induction range. It's easy to picture cooking dinner while friends linger at the table. The generous bedroom has two more garden-facing windows, a built-in office, and a large walk-in closet. Just outside the bathroom, a separate vanity area has a sink, cabinetry, a floor-to-ceiling mirror, and a linen closet within reach. The bathroom features a freshly reglazed tub and tile and a Toto toilet. New faucets and light fixtures complete the…

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