3448 18th 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
25% of that payment is not the mortgage. The HOA fee alone is $24,000 over five years — money that buys you no equity. A calculator that defaulted the fee to zero would have quoted you $4,010.
Not FHA-approved. No 3.5%-down FHA financing on this unit, so the realistic floor is a 5%-down conventional loan ($29,900). 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 ($400 in 2026), not enough for a trend yet. The listing shows $400/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 (0.8%/yr)
⚠️ Cons
- Older building (1916)
- Photos look dim — verify light in person
🚩 Red flags
- Only 1 photo — verify condition
Photos
Price history (this unit)
- Oct 27, 2000 — Sold (Public Records) $245,200
- Oct 27, 2000 — Sold (Public Records) $235,000
- Mar 24, 1998 — Sold (Public Records) $375,000
Description
Welcome to this classic 1916 Edwardian condo in the heart of the Inner Mission. This 1 bed/1 bath home blends original character with thoughtful modern updates, including hardwood floors, high ceilings, and period details throughout. The inviting living room offers a built-in bookcase w/ dedicated TV space and, and a large walk-in closet. The sunlit eat-in chef's kitchen features custom cabinetry, stainless steel appliances, Blue Star range, and abundant storage. The remodeled bath is finished w/ marble tile, heated floors, and a bidet seat. The spacious bedroom boasts coved ceilings, triple-paned bay windows, and a cozy window seat. Additional highlights include in-unit laundry, a shared…