1788 Clay St #205
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
29% of that payment is not the mortgage. The HOA fee alone is $54,420 over five years — money that buys you no equity. A calculator that defaulted the fee to zero would have quoted you $5,513.
Not FHA-approved. No 3.5%-down FHA financing on this unit, so the realistic floor is a 5%-down conventional loan ($41,250). 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 ($907 in 2026), not enough for a trend yet. The listing shows $907/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
- On market 51 days → some leverage
- In-unit W/D
- Garage parking
- Low HOA (1.3%/yr)
⚠️ Cons
- 19% above model fair value
- HOA $907/mo
🚩 Red flags
- Listed BELOW its 2016 sale ($912k) → value eroding
Photos
Price history (this unit)
- Aug 21, 2026 — Listed $825,000
- Jun 8, 2016 — Sold (MLS) $912,000
- Jun 8, 2016 — Sold (Public Records) $912,000
- Apr 22, 2016 — Listed $899,000
Description
Live in the heart of San Francisco at The Marlow, a sophisticated condominium community ideally positioned at the crossroads of Nob Hill and Pacific Heights. Known for its contemporary architecture, refined finishes and exceptional resident amenities, The Marlow offers a polished urban lifestyle with the convenience of premier shopping, dining and culture just outside your door. Residence 205 is a bright and inviting home with an open floor plan designed for both everyday living and entertaining. The well-appointed kitchen anchors the main living space with a generous center island, quartz countertops, warm walnut cabinetry and high-quality stainless-steel appliances. The flexible layout…