2208 Mission St #507
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
25% of that payment is not the mortgage. The HOA fee alone is $53,100 over five years — money that buys you no equity. A calculator that defaulted the fee to zero would have quoted you $8,829.
Not FHA-approved. No 3.5%-down FHA financing on this unit, so the realistic floor is a 5%-down conventional loan ($67,500). 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 ($885 in 2026), not enough for a trend yet. The listing shows $885/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
- Upper floor (fl 5)
- Garage parking
- Low HOA (0.8%/yr)
- Newer build (2009)
⚠️ Cons
- HOA $885/mo
🚩 Red flags
Photos
Price history (this unit)
- Oct 23, 2026 — Listed $1,350,000
- May 3, 2022 — Sold (MLS) $1,100,000
- May 3, 2022 — Sold (Public Records) $1,100,000
- Apr 8, 2022 — Price Changed $1,195,000
- Mar 31, 2022 — Price Changed $1,295,000
- Mar 8, 2022 — Listed $1,395,000
Description
Top-floor three bedroom, two bath condominium in a 2009 elevator building, and in our view the best unit in it. Facing south and west, the home fills with sun from late morning through sunset and looks out to Twin Peaks, Sutro Tower and Bernal Heights. The living room, dining area and kitchen form one big, open room; the kitchen has white shaker cabinets, granite counters, stainless steel appliances, a gas range and a breakfast bar. The primary suite has its own bath and a private balcony, and two more bedrooms work as a home office and a guest room. Deeded parking, with installation of a Level 2 EV charger in progress, plus a shared roof deck with 360-degree views from the downtown skyline…