2040 Laguna St #103
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
32% of that payment is not the mortgage. The HOA fee alone is $54,840 over five years — money that buys you no equity. A calculator that defaulted the fee to zero would have quoted you $4,348.
Not FHA-approved. No 3.5%-down FHA financing on this unit, so the realistic floor is a 5%-down conventional loan ($32,450). 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 ($1,181 in 2026), not enough for a trend yet. The listing shows $914/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
- Cheapest of 12 tracked in Sf District 7
⚠️ Cons
- HOA $914/mo
- Ground floor
🚩 Red flags
Photos
Price history (this unit)
- Oct 8, 2026 — Listed $649,000
Description
Pacific Heights 1BD/1BA Patio Retreat Just Steps from Lafayette Park. An expansive private patio sets this inviting condominium apart, offering generous outdoor space in a prime location. Situated in a boutique elevator building just a half block from Lafayette Park and three blocks from Fillmore Street's popular shops and restaurants, 2040 Laguna Street #103 combines comfortable city living with room to relax and entertain outdoors. Offering approx. 646 sq. ft. per public records, the single-level residence features adjoining living and dining areas, a separate kitchen, a spacious bedroom, and a full bath. Sliding glass doors from both the living room and bedroom open directly to the…