266 Cumberland 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
20% of that payment is not the mortgage. The HOA fee alone is $37,140 over five years — money that buys you no equity. A calculator that defaulted the fee to zero would have quoted you $14,619.
Not FHA-approved. No 3.5%-down FHA financing on this unit, so the realistic floor is a 5%-down conventional loan ($110,000). 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 ($206 in 2026), not enough for a trend yet. The listing shows $619/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
- In-unit W/D
- Garage parking
- Low HOA (0.3%/yr)
⚠️ Cons
- HOA $619/mo
- Older building (1890)
🚩 Red flags
Photos
Price history (this unit)
- Sep 28, 2026 — Listed $2,200,000
- Oct 14, 2005 — Sold (Public Records) $1,200,000
Description
This stunning 5-bedroom, 3-full-bathroom condo, located just one block from Dolores Park on a quiet residential street, offers an exceptional house-like alternative. 266 Cumberland spans two levels of living space, with a private rear deck and access to shared outdoor space below. The home features a one-car garage with direct interior access, along with abundant storage. High ceilings on first floor, beautiful Victorian-period details, and hardwood floors throughout create a warm and spacious feel, while large windows bring in an abundance of natural light. The kitchen offers peekaboo views of downtown, and owned solar panels add an energy-efficient touch. Set within a boutique four-unit…