241 10th St #302
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
28% of that payment is not the mortgage. The HOA fee alone is $54,840 over five years — money that buys you no equity. A calculator that defaulted the fee to zero would have quoted you $6,202.
Not FHA-approved. No 3.5%-down FHA financing on this unit, so the realistic floor is a 5%-down conventional loan ($46,450). 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 2026-10-08 — 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 ($914 in 2026), not enough for a trend yet. The listing shows $914/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
- On market 72 days → some leverage
- Upper floor (fl 3)
- Low HOA (1.2%/yr)
- Newer build (2017)
⚠️ Cons
- HOA $914/mo
- Photos look dim — verify light in person
🚩 Red flags
Photos
Price history (this unit)
- Aug 4, 2026 — Price Changed $950,900
- Jul 31, 2026 — Listed $950,000
Description
This modern 2-bedroom, 2-bathroom condominium in San Francisco's vibrant South of Market neighborhood offers impressive city views, secure garage parking, and exceptional value. The open-concept living and dining area is filled with natural light, creating a bright and welcoming atmosphere. A desirable split-bedroom layout provides added privacy, making it ideal for roommates, families, guests, or a home office. The primary bedroom features an en suite bathroom, while in-unit laundry adds everyday convenience. Located in a secure, elevator-access building near public transportation and major highways, this home also includes access to a rooftop deck with stunning panoramic views of the city.