2376 Folsom 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 $33,960 over five years — money that buys you no equity. A calculator that defaulted the fee to zero would have quoted you $10,613.
Not FHA-approved. No 3.5%-down FHA financing on this unit, so the realistic floor is a 5%-down conventional loan ($79,750). 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 ($566 in 2026), not enough for a trend yet. The listing shows $566/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
- HOA $566/mo
- Older building (1916)
🚩 Red flags
Photos
Price history (this unit)
- Oct 9, 2026 — Listed $1,595,000
- Jul 11, 2012 — Sold (MLS) $890,000
- Apr 10, 2012 — Listed $899,000
Description
This sleek and contemporary boutique condo is a rare find, offering four bedrooms, three and a half baths, and two-car parking in the heart of the Mission. Originally built in 1916, the four-unit building's handsome faade gives way to a rebuilt, modern interior with high ceilings and a well-designed, flexible floor plan. The home features an open-concept living and dining area and a modern kitchen with a large pantry and ample storage. A convenient powder room is located off the main living space. The serene primary suite features a full bath and walk-in closet. Two well-sized bedrooms share a full Jack-and-Jill bath, while a fourth bedroom, also en suite with a full bath, offers…