1817 California St Unit 2B
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
28% of that payment is not the mortgage. The HOA fee alone is $54,480 over five years — money that buys you no equity. A calculator that defaulted the fee to zero would have quoted you $5,845.
Not FHA-approved. No 3.5%-down FHA financing on this unit, so the realistic floor is a 5%-down conventional loan ($43,750). 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
We haven't reconstructed a multi-year fee history for this building yet. We have one recorded fee on file ($908 in 2026), not enough for a trend yet. The listing shows $908/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
- Low HOA (1.2%/yr)
⚠️ Cons
- HOA $908/mo
- Older building (1960)
- Ground floor
🚩 Red flags
- Only 1 photo — verify condition
Photos
Price history (this unit)
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Description
Welcome to 1817 California Street #2B, a light-filled, two-level condominium offering a townhouse-style layout in the heart of Pacific Heights. Set within the Palm Royal, this thoughtfully designed 2-bedroom, 1.5-bath residence offers comfortable separation of space, with sliding glass doors opening to the exterior on both levels. The lower level is designed for everyday living and entertaining, with an open living / dining area, kitchen, powder room. Upstairs, two bedrooms create a peaceful retreat, complemented by a full bathroom featuring a shower over soaking tub. A skylight brings additional natural light to the upper level. The Palm Royal offers an exceptional collection of amenities…