181 Ofarrell St #305
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
27% of that payment is not the mortgage. The HOA fee alone is $53,880 over five years — money that buys you no equity. A calculator that defaulted the fee to zero would have quoted you $6,639.
Not FHA-approved. No 3.5%-down FHA financing on this unit, so the realistic floor is a 5%-down conventional loan ($49,750). 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
2 recorded pointsReconstructed from 2 units of recorded sales at 181 Ofarrell St — every recorded sale carries its HOA fee and date. No listing site shows this.
We have a few recorded HOA fees for this building but not yet enough to call a reliable trend, so these are the raw points — no rate implied. Its documents fill in the reserve health and assessment risk.
🏢 Get this building's full reserve & assessment report — free →✅ Positives
- On market 53 days → some leverage
- Upper floor (fl 3)
- In-unit W/D
- Low HOA (1.1%/yr)
⚠️ Cons
- HOA $898/mo
🚩 Red flags
- Listed BELOW its 2018 sale ($1045k) → value eroding
Photos
Price history (this unit)
- Aug 19, 2026 — Listed $995,000
- May 25, 2018 — Sold (MLS) $1,045,000
- May 25, 2018 — Sold (Public Records) $1,045,000
- Apr 5, 2018 — Listed $998,000
Description
The ultimate luxury loft-style retreat in the heart of downtown San Francisco. This sophisticated Manhattan-inspired condominium showcases a dramatic double-height living room with soaring ceilings, wide-plank oak flooring, a mezzanine-style primary suite, a flexible office/den or guest alcove, 1.5 beautifully appointed baths, and a sleek contemporary kitchen featuring premium Viking and Bosch appliances. A rare highlight is the deeded European-style patio, an exclusive outdoor sanctuary that offers exceptional tranquility in the heart of the city. This secluded outdoor space creates a peaceful extension of the residence; a truly special amenity for downtown living. Perfectly balancing…