367 Fair Oaks 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
20% 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 $9,288.
Not FHA-approved. No 3.5%-down FHA financing on this unit, so the realistic floor is a 5%-down conventional loan ($69,750). 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. 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
- In-unit W/D
- Low HOA (0.3%/yr)
⚠️ Cons
- Older building (1906)
🚩 Red flags
Photos
Price history (this unit)
- Sep 23, 2026 — Listed $1,395,000
- Aug 15, 2018 — Sold (MLS) $1,410,000
- Aug 15, 2018 — Sold (Public Records) $1,410,000
- Jul 13, 2018 — Listed $1,250,000
- Oct 7, 2014 — Sold (MLS) $1,187,000
- Oct 7, 2014 — Sold (Public Records) $1,187,000
Description
Paradise on Fair Oaks! Ideally located on one of Noe Valley's desirable blocks, this gracious Edwardian condo offers a flexible 2- or 3-bedroom floor plan with timeless period character and modern updates. The front room can serve as a bedroom, living room or home office. Refinished Douglas fir floors, wainscoting, boxed-beam ceilings and built-ins add warmth and charm. The updated open kitchen features beautiful cabinetry, quartz countertops, island, chef's range and pantry, opening to the dining/living area overlooking the spacious shared garden. Expansive shared deck with BBQ area and large storage space offers additional room for play or work-from-home needs. Just moments to 24th…