301 Guerrero 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
22% of that payment is not the mortgage. The HOA fee alone is $47,400 over five years — money that buys you no equity. A calculator that defaulted the fee to zero would have quoted you $13,023.
Not FHA-approved. No 3.5%-down FHA financing on this unit, so the realistic floor is a 5%-down conventional loan ($99,750). 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 ($790 in 2026), not enough for a trend yet. The listing shows $790/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 (0.5%/yr)
⚠️ Cons
- 23% above model fair value
- HOA $790/mo
🚩 Red flags
Photos
Price history (this unit)
- Nov 5, 2026 — Listed $1,995,000
- Mar 2, 2021 — Sold (MLS) $1,730,000
- Mar 2, 2021 — Sold (Public Records) $1,730,000
- Jan 26, 2021 — Listed $1,595,000
- Aug 9, 2005 — Sold (MLS) $903,000
- Aug 9, 2005 — Sold (Public Records) $903,000
Description
Welcome to 301 Guerrero Street, a spacious full-floor condominium ideally situated in one of San Francisco's most vibrant and walkable neighborhoods, offering an exceptional blend of comfort, style, and convenience. The thoughtfully designed residence features three generously sized bedrooms and three bathrooms, including two en-suite baths and an oversized primary suite. An expansive open floor plan seamlessly connects the living, dining, and kitchen areas, creating an inviting setting for both everyday living and entertaining. An abundance of natural light fills the home, while the chef's kitchen is appointed with updated stainless steel appliances, ample counter space, and generous…