1839 15th St #156
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 $56,580 over five years — money that buys you no equity. A calculator that defaulted the fee to zero would have quoted you $6,308.
Not FHA-approved. No 3.5%-down FHA financing on this unit, so the realistic floor is a 5%-down conventional loan ($47,250). 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 ($777 in 2026), not enough for a trend yet. The listing shows $943/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
- Garage parking
- Low HOA (1.2%/yr)
⚠️ Cons
- HOA $943/mo
- Ground floor
- Only 1 bath
🚩 Red flags
Photos
Price history (this unit)
- Sep 18, 2026 — Listed $899,000
- Jan 9, 2015 — Sold (Public Records) $880,000
- Jul 18, 2014 — Sold (MLS) $750,000
- Jul 18, 2014 — Sold (Public Records) $750,000
- Jun 5, 2014 — Price Changed $769,000
- May 26, 2014 — Price Changed $779,000
Description
A tranquil retreat in the heart of Mission Dolores, this beautifully preserved 2-bedroom, 1-bath residence at Dolores Plaza offers generous proportions, seamless indoor-outdoor living and an unbeatable neighborhood location. The spacious living room opens directly to a private deck, creating an easy extension of the living space, while a full dining area makes entertaining a breeze. Generously sized bedrooms offer flexibility and privacy, including a spacious primary with walk-in closet, plus a spa-like bath. One-car parking completes the home. Dolores Plaza offers an impressive collection of amenities, including a fitness center, sauna, recreation room, two elevators, laundry on every…