2322 Hyde St
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
21% of that payment is not the mortgage. The HOA fee alone is $132,000 over five years — money that buys you no equity. A calculator that defaulted the fee to zero would have quoted you $38,742.
Not FHA-approved. No 3.5%-down FHA financing on this unit, so the realistic floor is a 5%-down conventional loan ($297,500). 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 ($1,700 in 2026), not enough for a trend yet. The listing shows $2,200/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
- Garage parking
- Low HOA (0.4%/yr)
⚠️ Cons
- 63% above model fair value
- HOA $2200/mo
- Photos look dim — verify light in person
🚩 Red flags
- Very high HOA $2200/mo (full-service high-rise)
Photos
Price history (this unit)
- Oct 30, 2026 — Listed $5,950,000
- May 22, 2017 — Sold (MLS) $5,650,000
- May 22, 2017 — Sold (Public Records) $5,650,000
- Mar 12, 2017 — Listed $5,650,000
Description
Set along Russian Hill's iconic Powell-Hyde cable car line, 2322 Hyde offers an exceptional combination of grand interiors, expansive outdoor spaces and sweeping views of San Francisco's most recognizable landmarks. A private elevator opens directly into this approximately 4,090-square-foot residence, where soaring ceilings, elegant architectural details and abundant natural light create a remarkable sense of space. Occupying the top three levels within an intimate two-residence building, the home offers three bedrooms, three-and-a-half bathrooms and the scale and privacy of a single-family residence. A skylit entry leads to an expansive living room with 12-foot ceilings, herringbone…