2404 Divisadero 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
23% of that payment is not the mortgage. The HOA fee alone is $66,000 over five years — money that buys you no equity. A calculator that defaulted the fee to zero would have quoted you $13,924.
Not FHA-approved. No 3.5%-down FHA financing on this unit, so the realistic floor is a 5%-down conventional loan ($104,750). 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 ($958 in 2026), not enough for a trend yet. The listing shows $1,100/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 (0.6%/yr)
⚠️ Cons
- 10% above model fair value
- HOA $1100/mo
- Older building (1908)
🚩 Red flags
- Very high HOA $1100/mo (full-service high-rise)
Photos
Price history (this unit)
- —
Description
Timeless San Francisco charm meets stylish modern updates in this spacious 3-bedroom, 2-bath Pacific Heights condo, complete with a bonus room ideal for a cozy home office, creative space, or quiet retreat. Set on the third floor, the home is filled with natural light and showcases original architectural details and period craftsmanship throughout, including wainscoting and a charming window bench in the formal dining room, classic millwork and storage, and a beautifully preserved butler’s pantry. Sun-drenched living and formal dining rooms create bright, inviting spaces, while recessed lighting adds a polished, modern touch. The remodeled kitchen features new cabinetry, quartz countertops…