1829 15th St #4
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
22% of that payment is not the mortgage. The HOA fee alone is $56,460 over five years — money that buys you no equity. A calculator that defaulted the fee to zero would have quoted you $12,626.
Not FHA-approved. No 3.5%-down FHA financing on this unit, so the realistic floor is a 5%-down conventional loan ($94,950). 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 ($941 in 2026), not enough for a trend yet. The listing shows $941/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 55 days → some leverage
- In-unit W/D
- Garage parking
- Low HOA (0.6%/yr)
⚠️ Cons
- 30% above model fair value
- HOA $941/mo
- Ground floor
🚩 Red flags
Photos
Price history (this unit)
- Aug 17, 2026 — Listed $1,899,000
- Aug 17, 2026 — Listed $1,899,000
Description
Nestled at the end of a peaceful, park-like cul-de-sac in prime Mission Dolores, this light-filled, 2-level townhouse-style condo delivers urban tranquility with modern luxury. Featuring 3 spacious bedrooms, 3 full bathrooms, this top-floor end-unit enjoys three sides of windows and a grand skylight, flooding every corner with natural light. The main level showcases a grand open layout with high ceilings, warm hardwood floors, and a gas fireplace perfect for entertaining. The open kitchen comes equipped with premium stainless-steel appliances, custom cabinetry, sleek stone countertops, and a spacious pantry. Up top, the private rooftop deck offers views of the city skyline. All three…