29 Oakwood St #18
💵What this unit actually costs per month
23% of that payment is not the mortgage. The HOA fee alone is $35,520 over five years — money that buys you no equity. A calculator that defaulted the fee to zero would have quoted you $7,840.
Not FHA-approved. No 3.5%-down FHA financing on this unit, so the realistic floor is a 5%-down conventional loan ($59,900). 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 ($592 in 2026), not enough for a trend yet. The listing shows $592/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
- Low HOA (0.6%/yr)
- Newer build (2008)
⚠️ Cons
- HOA $592/mo
- Ground floor
🚩 Red flags
Photos
Price history (this unit)
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Description
Ideally located in the heart of Mission Dolores, this bright, south-facing, top-floor 1-bedroom, 1-bath condominium with a dedicated office nook offers an abundance of natural light, a spacious open floor plan, and contemporary living within Chelsea Park, a welcoming and sought-after residential community. The expansive, light-filled living and dining area flows seamlessly into a well-appointed kitchen featuring refinished cabinetry, refreshed granite countertops, a gas range, and stainless steel appliances. The oversized bedroom offers generous closet space, while the spa-inspired bathroom is beautifully finished in Carrara marble. Additional conveniences include in-unit laundry and…