300 3rd St #1014
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
26% of that payment is not the mortgage. The HOA fee alone is $66,720 over five years — money that buys you no equity. A calculator that defaulted the fee to zero would have quoted you $8,652.
Not FHA-approved. No 3.5%-down FHA financing on this unit, so the realistic floor is a 5%-down conventional loan ($64,950). 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 ($909 in 2026), not enough for a trend yet. The listing shows $1,112/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
- Upper floor (fl 10)
- In-unit W/D
- Low HOA (1%/yr)
⚠️ Cons
- 19% above model fair value
- HOA $1112/mo
🚩 Red flags
- Very high HOA $1112/mo (full-service high-rise)
Photos
Price history (this unit)
- Sep 18, 2026 — Listed $1,299,000
- Dec 3, 2021 — Sold (Public Records) $1,170,000
- Jun 23, 2017 — Sold (MLS) $1,350,000
- Jun 23, 2017 — Sold (Public Records) $1,350,000
- May 29, 2017 — Listed $1,299,000
- Aug 29, 2007 — Sold (Public Records) $990,000
Description
Imagine stepping from your living room onto your very own (massive!) private patio an expansive, sun-filled retreat with open skyline views in the heart of San Francisco. This is that truly rare condo that maximizes what California and sunny downtown San Francisco are known for: indoor-outdoor living. Welcome to #1014, a spacious and light-filled unit, with a massive, wraparound private patio, all to yourself. This unit boasts the largest patio in the building that wraps south and west, unobstructed by neighboring buildings and featuring views towards Sutro Tower, Bernal Heights, and the SFMOMA. Translation: you'll enjoy the sun most of the day and true privacy. Inside, the two bedrooms sit…