15Overpriced

333 Bush St #3903

ZIP 94104, San Francisco, CA · 94104

$1,595,000 76% above mkt

1 bd · 1 ba · 1,042 sqft · $1,531/sf

HOA $1,600/mo · 🏢 fee history ↓ · Floor 39 · 47 days on market · built 1987

⚠️ HOA trap

View on Redfin ↗🏢 This building's HOA ↓

⚖️ Adjusted valueOverpricedasking is +76% over fair value

Model fair value · 39 sold comps · ±14%$923,665

vs model fair value · size · beds/baths · age · HOA · location+73%

Condition · Avg / verify in person0

Price history · at/near its all-time high+3%

📐 How this Deal Score was built15Overpriced

Value gap · 76% over fair value — charged up to 40%, past that it reads as a comp artifact−48

HOA burden · $1,600/mo = 1.2%/yr of price vs a 1.33% norm — at or below normal, no charge0

Days on market · 47 days — not long enough to give you leverage0

Raw advantage · the three above, combined−48

Model confidence · moderate — ±14% typical model error across 39 sold comps. The less certain the model, the harder the gap is pulled back toward neutral×0.8

Deal Score15/100

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

$12,213/mo all-in

20% down at 7.4% (this week's 30-year average) · mortgage + tax + insurance + HOA

Mortgage principal & interest$8,835

Property tax (1.30% effective)$1,728

Insurance (estimate)$50

HOA dues$1,600

Total monthly$12,213

Rough cash to close$358,875

28% of that payment is not the mortgage. The HOA fee alone is $96,000 over five years — money that buys you no equity. A calculator that defaulted the fee to zero would have quoted you $10,613.

Financing type

Not FHA-approved. No 3.5%-down FHA financing on this unit, so the realistic floor is a 5%-down conventional loan ($79,750). 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

Adjust the down payment & rate →Compare your Loan Estimates →

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 ($1,600 in 2026), not enough for a trend yet. The listing shows $1,600/mo today. Upload its HOA docs and we'll build the full reserve & special-assessment report — free.

🏢 Get this building's free HOA report →