181 W Ofarrell St #307
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 $48,600 over five years — money that buys you no equity. A calculator that defaulted the fee to zero would have quoted you $4,921.
Not FHA-approved. No 3.5%-down FHA financing on this unit, so the realistic floor is a 5%-down conventional loan ($37,450). 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 ($810 in 2026), not enough for a trend yet. The listing shows $810/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
- Best $/sf of 43 tracked in Sf District 8
- 30% below model fair value
- Upper floor (fl 3)
- In-unit W/D
⚠️ Cons
- HOA $810/mo
🚩 Red flags
Photos
Price history (this unit)
- Jul 22, 2011 — Sold (MLS) $511,875
- Jul 22, 2011 — Sold (Public Records) $512,000
- Jun 23, 2011 — Listed $525,000
Description
This loft-style home blends modern city living with a bright, voluminous feel. Double-height ceilings give the living room a dramatic, airy presence, and the generous primary suite has room for a work-from-home area. The spacious U-shaped chef's kitchen is outfitted with Viking and Bosch appliances, and with one and a half baths, the layout works equally well for everyday living and entertaining. A welcoming foyer and several roomy closets, as well as in-unit laundry, round out the convenience. The Odeon is a boutique building designed by award-winning MBH Architecture, which blends in seamlessly with the surrounding architecture. Well maintained and highly regarded, it has a character and…