1973 Oak St
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
19% of that payment is not the mortgage. The HOA fee alone is $19,200 over five years — money that buys you no equity. A calculator that defaulted the fee to zero would have quoted you $12,533.
Not FHA-approved. No 3.5%-down FHA financing on this unit, so the realistic floor is a 5%-down conventional loan ($94,250). 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 ($320 in 2026), not enough for a trend yet. The listing shows $320/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
- In-unit W/D
- Low HOA (0.2%/yr)
⚠️ Cons
- 14% above model fair value
- Photos look dim — verify light in person
🚩 Red flags
Photos
Price history (this unit)
- Sep 24, 2026 — Listed $1,598,000
- Jul 27, 2025 — Rental Removed $6,500
- Jul 26, 2025 — Listed for Rent $6,500
- Jul 26, 2025 — Rental Removed $7,200
- Jul 17, 2025 — Price Changed $7,200
- Jul 13, 2025 — Listed for Rent $6,950
Description
Perched atop a three-unit Edwardian building, 1973 Oak Street is a gracious three-bedroom, two-bath condominium in the heart of Haight-Ashbury. Rich period craftsmanship gives the home its distinctive character, with a fireplace in the living room, a coffered ceiling and built-in cabinets in the family room, wall wainscoting, and decorative ceiling medallions. Generous rooms, natural light, and a flexible floor plan create inviting spaces for everyday living and entertaining. The kitchen features stainless steel appliances and a five-burner gas range, while the spacious laundry room offers additional storage. Enjoy leafy outlooks toward the Panhandle, views of Saint Ignatius, and a glimpse…