3208 Pierce St #101
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
24% of that payment is not the mortgage. The HOA fee alone is $63,600 over five years — money that buys you no equity. A calculator that defaulted the fee to zero would have quoted you $11,723.
Not FHA-approved. No 3.5%-down FHA financing on this unit, so the realistic floor is a 5%-down conventional loan ($89,750). 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 ($1,060 in 2026), not enough for a trend yet. The listing shows $1,060/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 (0.7%/yr)
- Newer build (2007)
⚠️ Cons
- 13% above model fair value
- HOA $1060/mo
- Ground floor
🚩 Red flags
- Very high HOA $1060/mo (full-service high-rise)
Photos
Price history (this unit)
- Nov 5, 2026 — Listed $1,795,000
- Jul 10, 2017 — Sold (MLS) $1,580,000
- May 9, 2017 — Listed $1,599,000
- Jun 21, 2007 — Sold (MLS) $1,250,000
- Jan 26, 2007 — Listed $1,299,000
Description
Marina Townhouse built in 2007! Welcome to 3208 Pierce Street #101, a contemporary two-level condominium in San Francisco's desirable Marina District. Offering approximately 1,480 square feet of living space, this home features two bedrooms, two-and-a-half bathrooms, and a functional layout designed for comfortable everyday living. The main level offers inviting living, dining, and family areas, a fireplace, a well-appointed kitchen, powder room, laundry room and access to a landscaped shared patio. Upstairs, two bedrooms with en-suite bathrooms provide privacy and comfort. 1 Car deeded parking & a huge deeded storage room. Secure Elevator access from garage. This is a fantastic spacious…