3471 19th 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 $32,640 over five years — money that buys you no equity. A calculator that defaulted the fee to zero would have quoted you $10,434.
Not FHA-approved. No 3.5%-down FHA financing on this unit, so the realistic floor is a 5%-down conventional loan ($78,400). 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 ($544 in 2026), not enough for a trend yet. The listing shows $544/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
- In-unit W/D
- Garage parking
- Low HOA (0.4%/yr)
⚠️ Cons
- Older building (1923)
🚩 Red flags
Photos
Price history (this unit)
- Oct 2, 2026 — Listed $1,568,000
- Apr 28, 2014 — Sold (MLS) $1,570,000
- Apr 28, 2014 — Sold (Public Records) $1,570,000
- Apr 11, 2014 — Listed $1,195,000
- Sep 30, 2011 — Sold (MLS) $853,000
- Sep 30, 2011 — Sold (Public Records) $853,000
Description
Picture Saturday mornings with coffee on your private deck, followed by a short stroll to Dolores Park to soak up the sun. This 1923 Edwardian sits in a quiet two-unit building just off 19th and Valencia. It has 3 bedrooms, 2 baths, and approximately to 1,800 sqft (per floorplan artist) that feel both historic and easy to live in. Sunlight pours through the bay windows onto warm hardwood floors, and coved ceilings and picture rails carry the building's century-old character throughout. The open kitchen, with maple cabinets, quartz counters, and a mosaic backsplash, is made for cooking with friends while the conversation spills into the living room. On foggy evenings, the fireplace invites…