1835 Franklin St #402
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
31% of that payment is not the mortgage. The HOA fee alone is $127,320 over five years — money that buys you no equity. A calculator that defaulted the fee to zero would have quoted you $9,950.
Not FHA-approved. No 3.5%-down FHA financing on this unit, so the realistic floor is a 5%-down conventional loan ($74,750). 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 ($2,122 in 2026), not enough for a trend yet. The listing shows $2,122/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 4)
⚠️ Cons
- HOA $2122/mo
- Older building (1965)
🚩 Red flags
- Very high HOA $2122/mo (full-service high-rise)
Photos
Price history (this unit)
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Description
Beautifully remodeled Pacific Heights condo offering a thoughtful floor plan, generous natural light, and a quiet setting at the rear of the building. The open living and dining area is well suited for both everyday living and entertaining, with a wall of windows and wide-plank oak floors throughout. The designer kitchen features quartzite countertops, Bosch appliances, a farmhouse sink, and an oversized island with breakfast bar seating. The spacious primary suite includes a private balcony and an impressive walk-in dressing room customized by California Closets, with mirrored pocket doors providing added privacy. A marble-tiled primary bath completes the suite. The well-proportioned…