2226 California St #301
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
22% of that payment is not the mortgage. The HOA fee alone is $46,320 over five years — money that buys you no equity. A calculator that defaulted the fee to zero would have quoted you $11,423.
Not FHA-approved. No 3.5%-down FHA financing on this unit, so the realistic floor is a 5%-down conventional loan ($87,450). 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 2026-11-05 — 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 ($772 in 2026), not enough for a trend yet. The listing shows $772/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
- Best $/sf of 28 tracked in Sf District 7
- 12% below model fair value
- Upper floor (fl 3)
- In-unit W/D
⚠️ Cons
- HOA $772/mo
- Older building (1885)
🚩 Red flags
Photos
Price history (this unit)
- Oct 22, 2026 — Listed $1,849,000
- Jul 14, 2021 — Sold (MLS) $1,400,000
- Jul 14, 2021 — Sold (Public Records) $1,400,000
- May 27, 2021 — Listed $1,395,000
Description
Perched atop a classic Queen Anne Victorian in Pacific Heights, this distinctive three-bedroom, two-bath condominium offers an extraordinary sense of space, architectural character, and modern sophistication. The centerpiece of the home is a remarkable great room, an expansive, light-filled space that seamlessly integrates living, dining, and kitchen areas beneath soaring vaulted ceilings and skylights. Unusually generous in scale for San Francisco, this dramatic gathering space is equally suited to intimate evenings and large-scale entertaining. The open kitchen features a waterfall island, striking stone finishes, and city views toward Twin Peaks. Natural light pours through the…