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Stealpad › San Francisco, CA › Pacific Heights › 2200 Pacific Ave Unit 3E
2200 Pacific Ave Unit 3E — 1 bd condo for sale in Pacific Heights, San FranciscoNEW
27Overpriced

2200 Pacific Ave Unit 3E

Pacific Heights, San Francisco, CA · 94115
$1,495,000 22% above mkt
1 bd · 1 ba · 1,099 sqft · $1,360/sf
HOA $1,662/mo · 🏢 fee history ↓ · Floor 1 · 1 days on market · built 1962
⚠️ HOA trap
⚖️ Adjusted valueOverpricedasking is +22% over fair value
Model fair value · 11 sold comps within ½ mi · ±14%$1,253,728
vs model fair value · size · beds/baths · age · HOA · location+19%
Condition · Avg / verify in person0
Price history · at/near its all-time high+3%
📐 How this Deal Score was built27Overpriced
Value gap · asking vs model fair value, after condition & price history−26.4
HOA burden · $1,662/mo = 1.33%/yr of price vs a 1.29% norm−0.4
Days on market · 1 days — not long enough to give you leverage0
Raw advantage · the three above, combined−26.8
Model confidence · moderate — ±14% typical model error, 11 sold comps within half a mile. The less certain the model, the harder the gap is pulled back toward neutral×0.8
Deal Score27/100

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

$11,434/mo all-in
20% down at 7.18% (this week's 30-year average) · mortgage + tax + insurance + HOA
Mortgage principal & interest$8,102
Property tax (1.30% effective)$1,620
Insurance (estimate)$50
HOA dues$1,662
Total monthly$11,434
Rough cash to close$336,375

29% of that payment is not the mortgage. The HOA fee alone is $99,720 over five years — money that buys you no equity. A calculator that defaulted the fee to zero would have quoted you $9,772.

Financing type

FHA approval has expired on this project. An FHA buyer cannot use it today, and the fact that it once qualified and then stopped is worth asking the board about. Plan on a conventional loan — 5% down at the very least.

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. The listing shows $1,662/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
  • Brand-new listing
  • Garage parking
  • Low HOA (1.3%/yr)
⚠️ Cons
  • 19% above model fair value
  • HOA $1662/mo
  • Older building (1962)
🚩 Red flags
  • Very high HOA $1662/mo (full-service high-rise)

Photos

Price history (this unit)

Trough $410,000 Mar 31, 2003Now $1,495,000Peak $1,495,000 Nov 7, 2026
Current list price is 0% below its peak · +265% above its trough.
  • Nov 7, 2026 — Listed $1,495,000
  • Aug 30, 2005 — Sold (MLS) $835,000
  • Aug 30, 2005 — Sold (Public Records) $835,000
  • Jun 23, 2005 — Listed $749,500
  • Mar 31, 2003 — Sold (MLS) $410,000
  • Mar 31, 2003 — Sold (Public Records) $410,000

Description

Enjoy unique resort living on one of Pacific Heights' most-desirable blocks! 2200 Pacific is a premier full-service building situated in the heart of Pacific Heights, featuring a 24-hour attended lobby & security, as well as a spectacular, recently-renovated, panoramic view rooftop pool with new sun loungers, tables & umbrellas. Unit 3E is a gracious one bedroom + den, 1.5 bath residence with its own large, private terrace showcasing lovely tree-top views of the surrounding Pacific Heights neighborhood. Warm, natural light streams into the open living/dining area through the south-facing, floor-to-ceiling windows. The sleek, professional-grade kitchen features top-of-the-line Gaggenau &…

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