1905 Laguna St #306
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 $45,180 over five years — money that buys you no equity. A calculator that defaulted the fee to zero would have quoted you $3,945.
Not FHA-approved. No 3.5%-down FHA financing on this unit, so the realistic floor is a 5%-down conventional loan ($29,950). 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 2026-11-05 — 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 ($753 in 2026), not enough for a trend yet. The listing shows $753/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
- 14% below model fair value
- On market 59 days → some leverage
- Upper floor (fl 3)
⚠️ Cons
- HOA $753/mo
- Older building (1924)
🚩 Red flags
- Back on market — this unit was off the market and was relisted Oct 22
- Listed BELOW its 2017 sale ($685k) → value eroding
Photos
Price history (this unit)
- Sep 21, 2026 — Price Changed $670,000
- Aug 27, 2026 — Listed $699,000
- Sep 8, 2017 — Sold (MLS) $685,000
- Sep 8, 2017 — Sold (Public Records) $685,000
- Jul 14, 2017 — Listed $649,000
- May 1, 2014 — Sold (MLS) $556,000
Description
Welcome to this bright and charming top-floor, corner condominium in the heart of Lower Pacific Heights. Situated at the rear of the building, this inviting Junior 1-bedroom, 1-bath home offers a wonderful combination of natural light, comfortable living spaces, and an exceptional locationclose to everything while tucked away from the hustle and bustle of city life. Natural light fills the home through windows on two sides, including west-facing windows in living room made possible by the building's semi-detached design, creating a bright and welcoming atmosphere and a view of Sutro Tower. The spacious living room also features beautifully refinished hardwood floors, fresh interior paint…