184 5th Ave
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
20% of that payment is not the mortgage. The HOA fee alone is $25,800 over five years — money that buys you no equity. A calculator that defaulted the fee to zero would have quoted you $9,321.
Not FHA-approved. No 3.5%-down FHA financing on this unit, so the realistic floor is a 5%-down conventional loan ($70,000). 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 ($430 in 2026), not enough for a trend yet. The listing shows $430/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 81 days → some leverage
- Garage parking
- Low HOA (0.4%/yr)
⚠️ Cons
- 48% above model fair value
- Older building (1921)
🚩 Red flags
Photos
Price history (this unit)
- Jul 22, 2026 — Listed $1,400,000
- Jul 22, 2026 — Listed $1,400,000
- Nov 2, 2021 — Sold (Public Records) $1,375,000
- May 2, 2017 — Sold (Public Records) $1,080,000
Description
This beautifully renovated 2-bedroom, 2-bath condominium in Presidio Terrace offers timeless San Francisco charm and modern sophistication. Nestled within an intimate four-unit building, this thoughtfully redesigned residence features an open-concept floor plan with high-end finishes throughout. The gourmet kitchen showcases professional-grade appliances, including a Bosch gas range, microwave, dishwasher refrigerator with wine drawer, Bertazzoni insert hood. Additional highlights include refinished hardwood floors, smooth-finish walls, LED recessed lighting the living areas, a full-size LG in-unit washer and dryer, one assigned parking space, and a dedicated storage area in the garage.…