3329 Scott 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
19% of that payment is not the mortgage. The HOA fee alone is $16,800 over five years — money that buys you no equity. A calculator that defaulted the fee to zero would have quoted you $14,356.
Not FHA-approved. No 3.5%-down FHA financing on this unit, so the realistic floor is a 5%-down conventional loan ($110,000). 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 2026-11-05 — 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 ($280 in 2026), not enough for a trend yet. The listing shows $280/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 (0.2%/yr)
⚠️ Cons
- 35% above model fair value
- Older building (1924)
- Photos look dim — verify light in person
🚩 Red flags
Photos
Price history (this unit)
- —
Description
Renovated Top-Floor Marina Flat with Timeless San Francisco Charm Classic San Francisco architecture meets effortless modern living in this beautifully renovated, top-floor Marina Flat. Light-filled and sophisticated, 3329 Scott Street offers the rare combination of regional character, thoughtful upgrades, and an exceptional location just moments from all the businesses, cafes, nightlife, and stores on Chestnut as well as the Palace of Fine Arts and Marina Green. The heart of the home is an open kitchen with high-end appliances that flows seamlessly into the formal dining room and expansive living room. Oversized windows flood the space with natural light, while hardwood floors, decorative…