1839 15th St #364
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
30% of that payment is not the mortgage. The HOA fee alone is $49,440 over five years — money that buys you no equity. A calculator that defaulted the fee to zero would have quoted you $4,679.
Not FHA-approved. No 3.5%-down FHA financing on this unit, so the realistic floor is a 5%-down conventional loan ($34,950). 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 ($777 in 2026), not enough for a trend yet. The listing shows $824/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 3)
- Garage parking
- Low HOA (1.4%/yr)
⚠️ Cons
- HOA $824/mo
🚩 Red flags
Photos
Price history (this unit)
- Sep 28, 2026 — Listed $699,000
- Sep 30, 1998 — Sold (MLS) $190,000
- Aug 20, 1998 — Listed $189,950
- Aug 30, 1997 — Sold (MLS) $152,000
- Aug 29, 1997 — Listed $152,000
Description
Fabulous, well-proportioned condo with a separate dining area, several generous closet spaces, and abundant charm. Enjoy a deck off both the living room and bedroom, freshly painted interiors, and brand-new carpet throughout. This immaculate home is set in a building with a gym, laundry facility, and beautifully landscaped common areas. Tucked away in a serene interior courtyard, this home is centrally located between the Castro and Mission districts, with easy access to vibrant restaurants, shops, and beautiful Dolores Park. Includes parking and storage in the building.