361 Stoneridge
This unit is asking far less than comparable sales — so much less that the gap is more likely something we cannot see from the listing than equity you would own: a deed restriction, a TIC or shared-ownership form, a leasehold, or a unit that is not really comparable to the homes it was measured against. A discount that large is usually a reason, not a bargain. We would rather tell you we cannot verify it than sell you a number.
💵What this unit actually costs per month
27% of that payment is not the mortgage. The HOA fee alone is $36,180 over five years — money that buys you no equity. A calculator that defaulted the fee to zero would have quoted you $4,347.
Not FHA-approved. No 3.5%-down FHA financing on this unit, so the realistic floor is a 5%-down conventional loan ($32,444). 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 ($603 in 2026), not enough for a trend yet. The listing shows $603/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
- 35% below model fair value
- Garage parking
- Low HOA (1.1%/yr)
⚠️ Cons
- HOA $603/mo
- Photos look dim — verify light in person
🚩 Red flags
- Only 1 photo — verify condition
Photos
Price history (this unit)
- Sep 25, 2026 — Listed $648,888
- Sep 25, 2026 — Listed $648,888
Description
Located in San Francisco, this 2-bedroom, 2-bathroom home offers approximately 1,200 square feet of living space on a lot of at least 1,200 square feet. The layout includes a kitchen and family room combo, providing a versatile area for daily living. The dining area is integrated into the living room, creating an open and functional space. Heating is electric, and the home does not have a cooling system. Additionally, there is a single garage space for parking or storage. This property is part of the San Francisco Unified elementary school district.