3189 California 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
23% of that payment is not the mortgage. The HOA fee alone is $33,000 over five years — money that buys you no equity. A calculator that defaulted the fee to zero would have quoted you $7,003.
Not FHA-approved. No 3.5%-down FHA financing on this unit, so the realistic floor is a 5%-down conventional loan ($52,500). 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 ($550 in 2026), not enough for a trend yet. The listing shows $550/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
- In-unit W/D
- Garage parking
- Low HOA (0.6%/yr)
⚠️ Cons
- HOA $550/mo
- Older building (1905)
- Only 1 bath
🚩 Red flags
Photos
Price history (this unit)
- Oct 2, 2026 — Listed $1,050,000
Description
This 2-bedroom, 1-bathroom Pacific Heights condo is set in a boutique 6-unit Edwardian building with Classical Revival detailing. Hardwood floors, high ceilings, classic wainscoting and a decorative fireplace lend timeless character, while a sunny breakfast nook provides a welcoming spot to start the day. Additional features include a split-bath layout, in-unit laundry, tandem garage parking, garage storage and a shared yard. Adjacent to Presidio Heights, the home is close to the restaurants and shops along Sacramento and Divisadero Streets, with Fillmore Street and Laurel Village also within easy reach. Nearby public transportation and tech shuttles add to the convenience. The property is…