325 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 ($62,500). 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. 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 25, 2026 — Listed $1,250,000
- Sep 24, 2026 — Listed $1,250,000
Description
Space, character, and Inner Mission energy come together in this 1,454-square-foot Victorian residence. With four bedrooms and two bathrooms, this home offers flexibility, paired with the timeless appeal of classic San Francisco architecture. The versatile floor plan provides room to live, work, entertain, and make the space your own. Create a home office, guest room, creative studio, or media space, while generous living areas offer an inviting setting for everyday life and gatherings. Located near the Inner Missions celebrated dining, cafés, shopping, parks, transit, and major routes, this residence puts you close to the neighborhoods best. Enjoy San Franciscos energy with the space and…