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Stealpad › San Francisco, CA › ZIP 94110 › 3528 17th St
3528 17th St — 3 bd condo for sale in ZIP 94110, San Francisco
71Good value

3528 17th St

ZIP 94110, San Francisco, CA · 94110
$1,295,000 21% below mkt
3 bd · 1 ba · 1,620 sqft · $799/sf
No HOA listed · 23 days on market · built 1908
💎 Hidden gem
⚖️ Adjusted valueUndervaluedasking is 21% under fair value
Model fair value · 23 sold comps · ±14%$1,641,113
vs model fair value · size · beds/baths · age · HOA · location−21%
Condition · Avg / verify in person0
Price history · at/near its all-time high0
📐 How this Deal Score was built71Good value
Value gap · asking vs model fair value, after condition & price history+25.2
HOA burden · no HOA published — estimated at 0.62%/yr so missing data isn't a free pass0
Days on market · 23 days — not long enough to give you leverage0
Raw advantage · the three above, combined+25.2
Model confidence · moderate — ±14% typical model error across 23 sold comps. The less certain the model, the harder the gap is pulled back toward neutral×0.8
Deal Score71/100

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

$8,626/mo all-in
20% down at 7.4% (this week's 30-year average) · mortgage + tax + insurance
Mortgage principal & interest$7,173
Property tax (1.30% effective)$1,403
Insurance (estimate)$50
Total monthly$8,626
Rough cash to close$291,375
Financing type

Not FHA-approved. No 3.5%-down FHA financing on this unit, so the realistic floor is a 5%-down conventional loan ($64,750). 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

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. Upload its HOA docs and we'll build the full reserve & special-assessment report — free.

🏢 Get this building's free HOA report →
✅ Positives
  • 21% below model fair value
  • In-unit W/D
⚠️ Cons
  • Older building (1908)
  • Only 1 bath
🚩 Red flags
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Photos

Price history (this unit)

Only one sale-price event on record ($1,295,000 on Sep 18, 2026).
  • Sep 18, 2026 — Listed $1,295,000

Description

Extremely rare offering of three elegantly updated condominiums delivered vacant and on the border of three highly desirable neighborhoods: Noe Valley, Eureka Valley-Castro, and Mission Dolores. 3528 17th Street is a spectacular and spacious three-bedroom plus formal dining room flat showcasing sophisticated finishes, soaring ceilings, with a sensational and flexible floor plan for 21st century lifestyles. The inviting entryway presents a staircase leading to the lovingly restored main level with Edwardian accents, gleaming hardwood floors, and all the living space on one level. A formal living room with a fireplace, working parlor doors, and two spacious bedrooms are at the front of the…

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