3270 20th 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
21% of that payment is not the mortgage. The HOA fee alone is $30,000 over five years — money that buys you no equity. A calculator that defaulted the fee to zero would have quoted you $9,308.
Not FHA-approved. No 3.5%-down FHA financing on this unit, so the realistic floor is a 5%-down conventional loan ($69,900). 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 ($500 in 2026), not enough for a trend yet. The listing shows $500/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
- Low HOA (0.4%/yr)
⚠️ Cons
- Older building (1909)
- Only 1 bath
🚩 Red flags
Photos
Price history (this unit)
- Oct 2, 2026 — Listed $1,398,000
- Nov 7, 2024 — Sold (MLS) $1,250,000
- Nov 7, 2024 — Sold (Public Records) $1,250,000
- Aug 15, 2024 — Listed $1,198,000
- May 18, 2007 — Sold (MLS) $740,000
- Mar 9, 2007 — Listed $699,000
Description
Natural light fills the rooms from sunrise to sunset; high ceilings feel clear and airy, and the open-concept layout lets living, dining, and kitchen flow naturally together. The modern chef's kitchen has a Heath Ceramics tile backsplash, a small detail that becomes something you genuinely appreciate every morning. A quintessential San Francisco top-floor experience. The stylish, remodeled bathroom offers clean finishes that feel calm and fresh, while in-unit laundry and included parking take the friction out of city life. A shared garden gives you a nice spot to reset. Step outside, and the neighborhood delivers. Flour and Water, Penny Roma, and Lost Resort are all close by for great food…