2412 Harrison St #204
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
24% of that payment is not the mortgage. The HOA fee alone is $48,000 over five years — money that buys you no equity. A calculator that defaulted the fee to zero would have quoted you $8,825.
Not FHA-approved. No 3.5%-down FHA financing on this unit, so the realistic floor is a 5%-down conventional loan ($66,250). 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 ($79,989 in 2026), not enough for a trend yet. The listing shows $800/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
- Garage parking
- Low HOA (0.7%/yr)
⚠️ Cons
- 20% above model fair value
- HOA $800/mo
🚩 Red flags
Photos
Price history (this unit)
- Oct 5, 2026 — Listed $1,325,000
- Sep 9, 2004 — Sold (MLS) $667,500
- Sep 9, 2004 — Sold (Public Records) $668,000
- Aug 10, 2004 — Listed $599,000
- Jan 8, 2003 — Sold (MLS) $494,000
- Jan 8, 2003 — Sold (Public Records) $494,000
Description
Defined by light, scale, and effortless modern living, this top-floor, two-level residence offers rare flexibility. Dramatic 18-foot ceilings and a floor-to-ceiling wall of east-facing windows illuminate the open-plan living, dining area, and kitchen in natural light while framing leafy treetop views and Potrero Hill's evening lights. Unlike conventional open lofts, this home delivers unmatched functional separation: a main floor private flex room effortlessly able to serve as a guest sanctuary or office, with an adjacent full bath. The home lives and functions much larger than commonly expected thanks to both the first floor flex room/bathroom/closet configuration and the upper-level…