330 Harriet 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
20% of that payment is not the mortgage. The HOA fee alone is $11,400 over five years — money that buys you no equity. A calculator that defaulted the fee to zero would have quoted you $5,155.
Not FHA-approved. No 3.5%-down FHA financing on this unit, so the realistic floor is a 5%-down conventional loan ($39,250). 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 ($190 in 2026), not enough for a trend yet. The listing shows $190/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 (0.3%/yr)
⚠️ Cons
- 28% above model fair value
- Older building (1907)
🚩 Red flags
Photos
Price history (this unit)
- Oct 28, 2026 — Listed $785,000
- Feb 3, 2011 — Sold (MLS) $350,000
- Dec 6, 2010 — Price Changed $389,800
- Nov 15, 2010 — Listed $399,800
- Dec 9, 2005 — Sold (Public Records) $510,000
- May 19, 2001 — Sold (MLS) $285,000
Description
Behind its understated facade, this beautifully designed 1907 residence offer a delightful blend of historic San Francisco character and modern sophistication. Cottage charm, bold designer details, and smart modern comforts come together in this distinctive one-bedroom, one-bath cottage style condominium. A wood-clad entry ceiling sets a warm, welcoming tone, while reclaimed wood floors, statement Gucci wallpaper, and a sunny living room lined with windows create an inviting home with personality. The beautifully appointed kitchen features honed white Carrara countertops, sculptural Heath tile, KitchenAid appliances, a Bosch dishwasher, and Restoration Hardware cabinet hardware. An…