2600 18th St #17
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
25% of that payment is not the mortgage. The HOA fee alone is $50,880 over five years — money that buys you no equity. A calculator that defaulted the fee to zero would have quoted you $8,471.
Not FHA-approved. No 3.5%-down FHA financing on this unit, so the realistic floor is a 5%-down conventional loan ($64,750). 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 2026-11-05 — 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 ($848 in 2026), not enough for a trend yet. The listing shows $848/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
- 25% below model fair value
- In-unit W/D
- Garage parking
- Low HOA (0.8%/yr)
⚠️ Cons
- HOA $848/mo
- Ground floor
🚩 Red flags
Photos
Price history (this unit)
- Nov 5, 2026 — Listed $1,295,000
- Jan 28, 2005 — Sold (MLS) $834,000
- Jan 28, 2005 — Sold (Public Records) $834,000
- Dec 1, 2004 — Listed $799,000
- Jun 30, 2003 — Sold (MLS) $679,000
- Jun 30, 2003 — Sold (Public Records) $679,000
Description
Step into this bright and sunny Inner Mission loft and prepare to fall in love with the ultimate urban retreat! Thoughtfully refreshed with easy-care luxury vinyl plank flooring and fresh paint, this home is conveniently move-in ready. Soaring ceilings and an expansive floor plan create a grand sense of volume, delivering in all the right ways. The main living area seamlessly connects a spacious living room with a huge dining area, offering an ideal setting to gather and socialize with friends or enjoy quiet evenings at home. The kitchen boasts generous counter space, abundant storage, and updated stainless steel appliances, including a brand-new Samsung refrigerator, perfect for preparing…