323 San Jose Ave
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
Not FHA-approved. No 3.5%-down FHA financing on this unit, so the realistic floor is a 5%-down conventional loan ($70,000). 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. 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
⚠️ Cons
- Older building (1900)
🚩 Red flags
- Co-op / TIC, not a condo — you buy shares or a fractional interest, not the unit itself. Financing is harder and dearer, a board can vet or refuse you, resale may be price-capped, and the buyer pool is thin. Every comp behind the numbers below is a condominium, so treat the gap as an ownership-form discount until you have read the share loan terms and the bylaws.
Photos
Price history (this unit)
- Sep 24, 2026 — Listed $1,400,000
- Sep 24, 2026 — Listed $1,400,000
Description
A rare opportunity to own a 1,496 Sq. Ft. , four-bedroom, two-bathroom Victorian residence in San Franciscos vibrant Inner Mission. Classic character with a flexible layout featuring a chefs kitchen, dining room, family room, den, private balcony, and one assigned garage space. Designed for modern living and entertaining, the floor plan offers room for a home office, guests, hobbies, or media space. The chefs kitchen anchors the home, while the dining and family rooms create inviting spaces to gather and entertain. Just steps from the Inner Missions celebrated dining, cafes, shopping, parks, transit, and major routes, putting you in the center of it all, offering space, character, and…