301 Gough St #3
💵What this unit actually costs per month
24% of that payment is not the mortgage. The HOA fee alone is $29,880 over five years — money that buys you no equity. A calculator that defaulted the fee to zero would have quoted you $5,672.
Not FHA-approved. No 3.5%-down FHA financing on this unit, so the realistic floor is a 5%-down conventional loan ($42,450). 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
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 ($498 in 2026), not enough for a trend yet. The listing shows $498/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
- Garage parking
- Low HOA (0.7%/yr)
⚠️ Cons
- Ground floor
🚩 Red flags
Photos
Price history (this unit)
- Sep 11, 2026 — Listed $899,000
- Jan 4, 2017 — Sold (MLS) $860,000
- Jan 4, 2017 — Sold (Public Records) $860,000
- Nov 16, 2016 — Listed $799,000
- Dec 4, 2015 — Sold (Public Records) $810,000
- Oct 4, 2012 — Sold (MLS) $540,000
Description
Eastern light, panoramic city views, and effortless loft living rendezvous in the heart of Hayes Valley. Tucked away within an intimate 8-unit boutique building, this sun-drenched urban sanctuary offers the perfect blend of modern style, flexible living, and top-tier location. An expansive wall of windows fills the open-concept main level with natural light, where living and dining areas flow seamlessly into a modern kitchen complete with granite countertops and stainless steel appliances. Everyday functionality is beautifully streamlined with in-unit laundry, customized organized closets, and additional private storage. Upstairs, the generous loft bedroom serves as a private retreat…