260 Clara St #8
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 $38,340 over five years — money that buys you no equity. A calculator that defaulted the fee to zero would have quoted you $4,589.
Not FHA-approved. No 3.5%-down FHA financing on this unit, so the realistic floor is a 5%-down conventional loan ($34,900). 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 2026-11-05 — 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 ($639 in 2026), not enough for a trend yet. The listing shows $639/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 (1.1%/yr)
⚠️ Cons
- HOA $639/mo
- Ground floor
- Photos look dim — verify light in person
🚩 Red flags
Photos
Price history (this unit)
- Sep 19, 2026 — Listed $698,000
- Oct 26, 1998 — Sold (MLS) $339,000
- Oct 26, 1998 — Sold (Public Records) $339,000
- Jul 8, 1998 — Listed $339,000
Description
Stylish and light-filled 1-bedroom, 2-bath loft offering a peaceful retreat in the heart of San Francisco. Set at the rear of the building, the home enjoys lovely outlooks over mature greenery, with the city skyline rising beyond. The dramatic loft-style living space features soaring ceilings, a fireplace, and a Juliet balcony that brings in fresh air and natural light. The open kitchen flows easily into the living and dining areas and includes a counter with seating perfect for casual meals and entertaining. Upstairs, the loft bedroom includes a full bath and opens to a charming outdoor patio - an inviting spot for morning coffee, reading, or a little fresh air. A second full bath on the…