🏠 Stealpad
/
Stealpad › San Francisco, CA › ZIP 94158 › 300 Channel St #14
300 Channel St #14 — 3 bd condo for sale in ZIP 94158, San Francisco
46Priced high

300 Channel St #14

ZIP 94158, San Francisco, CA · 94158
$1,749,000 ~at market (+4%)
3 bd · 3 ba · 1,980 sqft · $883/sf
HOA $514/mo · 🏢 fee history ↓ · Floor 1 · 23 days on market · built 2003
View on Redfin ↗🏢 This building's HOA ↓
⚖️ Adjusted valueFairly pricedasking is +4% over fair value
Model fair value · 110 sold comps · ±14%$1,682,357
vs model fair value · size · beds/baths · age · HOA · location+4%
Condition · Avg / verify in person0
Price history · at/near its all-time high0
📐 How this Deal Score was built46Priced high
Value gap · asking vs model fair value, after condition & price history−4.8
HOA burden · $514/mo = 0.35%/yr of price vs a 1.33% norm — at or below normal, no charge0
Days on market · 23 days — not long enough to give you leverage0
Raw advantage · the three above, combined−4.8
Model confidence · moderate — ±14% typical model error across 110 sold comps. The less certain the model, the harder the gap is pulled back toward neutral×0.8
Deal Score46/100

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

$12,147/mo all-in
20% down at 7.4% (this week's 30-year average) · mortgage + tax + insurance + HOA
Mortgage principal & interest$9,688
Property tax (1.30% effective)$1,895
Insurance (estimate)$50
HOA dues$514
Total monthly$12,147
Rough cash to close$393,525

20% of that payment is not the mortgage. The HOA fee alone is $30,840 over five years — money that buys you no equity. A calculator that defaulted the fee to zero would have quoted you $11,633.

Financing type

Not FHA-approved. No 3.5%-down FHA financing on this unit, so the realistic floor is a 5%-down conventional loan ($87,450). 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

Adjust the down payment & rate →Compare your Loan Estimates →

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 ($849 in 2026), not enough for a trend yet. The listing shows $514/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 (0.4%/yr)
⚠️ Cons
  • Ground floor
🚩 Red flags
—

Photos

Price history (this unit)

Only one sale-price event on record ($1,749,000 on Sep 18, 2026).
  • Sep 18, 2026 — Listed $1,749,000
  • Sep 18, 2026 — Listed $1,749,000

Description

This 3bed, 3bath (two en-suite) is 1 of only 20 floating homes permitted in San Francisco. Located in the high profile neighborhood of Mission Bay near Oracle Park, Chase Center, major tech/AI/medical campuses, and popular restaurants and amenities, this unique home sits at the convergence of pro sports, innovation and waterfront living. The distinctive nautical inspired layout was designed to create a true maritime live-aboard experience. The upper level also has its own private entrance. 40' boat slip also included. Directly connected to a new 5.7 acre park breaking ground in Q4 2026. FAQ and 3D virtual walkthrough at SanFranciscoBoatHouse.com

More steals in ZIP 94158

110 Channel St #208 · $699,000 · 38330 Mission Bay Blvd #805 · $998,000 · 27300 Berry St #408 · $1,195,000 · 26325 Berry St #114 · $1,798,000 · 15708 Long Bridge St #713 · $1,998,000 · 15

See all 6 condos in ZIP 94158 →