327 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 ($40,000). 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
- Cheapest of 4 tracked in Inner Mission
- 19% below model fair value
- 78% below its 2026 peak
- 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 $800,000
- Sep 24, 2026 — Price Changed $3,450,000
- Sep 24, 2026 — Price Changed $3,450,000
- Sep 24, 2026 — Listed $800,000
- Jul 8, 2026 — Listed $3,700,000
- Jul 8, 2026 — Listed $3,700,000
Description
A rare chance to own a 1,104-square-foot Victorian residence with two bedrooms and two bathrooms in San Franciscos vibrant Inner Mission. Blending classic character with the space, flexibility, and convenience todays buyers seek, including private garage parking. Ideal for first-time buyers, professionals seeking a centrally located home, or anyone looking beyond a conventional condominium, this distinctive residence offers an opportunity to own a piece of San Francisco. Ideally situated near celebrated dining, cafés, shopping, parks, public transportation, and major San Francisco routes, Unit 327 places you at the center of the Inner Mission. This spacious Victorian unit offers a…