178 Clinton Park Unit A
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
22% of that payment is not the mortgage. The HOA fee alone is $15,660 over five years — money that buys you no equity. A calculator that defaulted the fee to zero would have quoted you $4,679.
Not FHA-approved. No 3.5%-down FHA financing on this unit, so the realistic floor is a 5%-down conventional loan ($34,950). 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 ($261 in 2026), not enough for a trend yet. The listing shows $261/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
- In-unit W/D
- Garage parking
- Low HOA (0.4%/yr)
⚠️ Cons
- 122% above model fair value
- Small (302 sf)
- Older building (1907)
🚩 Red flags
Photos
Price history (this unit)
- Sep 15, 2026 — Listed $749,000
- Dec 28, 2016 — Sold (Public Records) $508,000
- Jan 31, 2013 — Sold (MLS) $365,000
- Jan 31, 2013 — Sold (Public Records) $365,000
- Nov 14, 2012 — Price Changed $380,000
- Sep 21, 2012 — Listed $395,000
Description
A private urban retreat in the heart of Mission Dolores. Tucked quietly behind the street as a separate rear dwelling, 178A Clinton Park offers a rare combination of privacy, comfort, parking, and an exceptional location. The light-filled interior features warm hardwood floors, a charming gas-stove fireplace, and a well-designed layout that makes the most of the space. The sleek white kitchen offers custom cabinetry, stainless steel appliances, ample storage, and a sunny window. A thoughtfully positioned bedroom alcove creates separation from the living area, while the modernized bathroom features quality finishes, built-in wood shelving, and a beautifully tiled tub/shower. Practical…