255 14th 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
22% of that payment is not the mortgage. The HOA fee alone is $21,000 over five years — money that buys you no equity. A calculator that defaulted the fee to zero would have quoted you $6,004.
Not FHA-approved. No 3.5%-down FHA financing on this unit, so the realistic floor is a 5%-down conventional loan ($44,950). 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 ($350 in 2026), not enough for a trend yet. The listing shows $350/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
- 31% below model fair value
- In-unit W/D
- Low HOA (0.5%/yr)
⚠️ Cons
- Older building (1907)
🚩 Red flags
- Listed BELOW its 2019 sale ($1050k) → value eroding
Photos
Price history (this unit)
- Sep 4, 2026 — Listed $899,000
- Mar 15, 2019 — Sold (MLS) $1,050,000
- Mar 15, 2019 — Sold (Public Records) $1,050,000
- Jan 11, 2019 — Listed $985,000
- Aug 3, 2018 — Sold (Public Records) $400,000
Description
Classic style meets 21st-century comforts in this inviting full-floor condo. Extensive renovation in 2018-19 produced an open living area with eat-in entertainer's kitchen, three well-sized bedrooms, and flexible office space overlooking a shared yard plus new flooring, lighting, windows, appliances, and full guest bath. Recent upgrades include augmented bedroom storage systems, home automation tech, sound-insulating features, modern overhaul of the primary bath, and recapture of high-functioning floor area. In-unit washer/dryer. Large private storage room directly below with discrete backyard entry. Close proximity to Valencia Street, the Armory, BART, freeways, and a hop-skip-jump into…