1805 Fillmore St #301
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
25% of that payment is not the mortgage. The HOA fee alone is $48,720 over five years — money that buys you no equity. A calculator that defaulted the fee to zero would have quoted you $7,522.
Not FHA-approved. No 3.5%-down FHA financing on this unit, so the realistic floor is a 5%-down conventional loan ($57,450). 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 2026-11-05 — 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 ($812 in 2026), not enough for a trend yet. The listing shows $812/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
- Upper floor (fl 3)
- In-unit W/D
- Garage parking
- Low HOA (0.8%/yr)
⚠️ Cons
- 10% above model fair value
- HOA $812/mo
🚩 Red flags
Photos
Price history (this unit)
- Nov 6, 2026 — Listed $1,149,000
- Oct 21, 1997 — Sold (MLS) $290,000
- Sep 3, 1997 — Listed $299,000
Description
Sun-drenched interiors, beautiful new finishes, and sweeping views toward Sutro Tower define this thoughtfully reimagined, top-floor residence in the heart of Lower Pacific Heights. Spanning approximately 1,115 square feet across two levels, this 2-bedroom, 2-bathroom home combines distinctive architecture with a sophisticated, turnkey renovation. Walls of windows flood the generous living and dining spaces with natural light, while a private terrace offers a welcome outdoor retreat above Fillmore Street. The sleek new kitchen features quartz countertops, contemporary cabinetry, brand-new appliances, and a clever pass-through to the living spaces. A spacious corner, drenched in light…