225 26th Ave #2
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 $25,500 over five years — money that buys you no equity. A calculator that defaulted the fee to zero would have quoted you $12,599.
Not FHA-approved. No 3.5%-down FHA financing on this unit, so the realistic floor is a 5%-down conventional loan ($94,750). 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 ($425 in 2026), not enough for a trend yet. The listing shows $425/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 (0.3%/yr)
⚠️ Cons
- 14% above model fair value
- Ground floor
🚩 Red flags
Photos
Price history (this unit)
- Oct 7, 2026 — Listed $1,895,000
- Jan 2, 2020 — Sold (MLS) $1,590,000
- Jan 2, 2020 — Sold (Public Records) $1,590,000
- Oct 16, 2019 — Price Changed $1,599,000
- Jul 18, 2019 — Listed $1,650,000
- Jan 18, 2006 — Sold (MLS) $870,000
Description
Located in San Francisco's coveted Lake District, 225 26th Avenue offers exceptional access to some of the city's best outdoor destinations, including the Presidio, Lands End, Baker and China Beaches, and the Lake Street Slow Street corridor. Built in 2001 with quality craftsmanship and exceptionally well maintained, the three-unit building is in excellent condition, with a recently painted exterior and a fresh, well-kept appearance. The residence offers a highly functional floor plan with generous open living spaces and four well-appointed bedrooms and three bathrooms thoughtfully positioned toward the rear of the home. Expansive bay windows fill the living and dining areas with natural…