1919 20th St #2
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
29% of that payment is not the mortgage. The HOA fee alone is $39,840 over five years — money that buys you no equity. A calculator that defaulted the fee to zero would have quoted you $3,990.
Not FHA-approved. No 3.5%-down FHA financing on this unit, so the realistic floor is a 5%-down conventional loan ($29,750). 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 ($767 in 2026), not enough for a trend yet. The listing shows $664/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
- Undervalued once condition & history are priced in
- 30% below its 2018 peak
- Garage parking
- Low HOA (1.3%/yr)
⚠️ Cons
- HOA $664/mo
- Older building (1963)
- Ground floor
🚩 Red flags
- Listed BELOW its 2018 sale ($852k) → value eroding
Photos
Price history (this unit)
- Oct 2, 2026 — Listed $595,000
- Apr 17, 2018 — Sold (MLS) $852,000
- Apr 17, 2018 — Sold (Public Records) $852,000
- Mar 9, 2018 — Listed $738,000
- Mar 28, 2014 — Sold (Public Records) $650,000
- Nov 21, 2011 — Sold (MLS) $445,000
Description
Phenomenal investment opportunity to purchase a one-bedroom condominium in a prime Potrero Hill location! This well-maintained flat offers a spacious bedroom, abundant closet space, an updated kitchen and bathroom, gorgeous wood floors, and a living/dining area showered with natural light from a wall of windows/sliding glass doors with direct access to the private deck. The home is complete with deeded parking, common laundry, and is located near shopping, cafes, world class dining, playgrounds, library, parks, Chase center, public transportation, HWY 101/280 and more.