39 Broderick 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
19% of that payment is not the mortgage. The HOA fee alone is $18,000 over five years — money that buys you no equity. A calculator that defaulted the fee to zero would have quoted you $11,957.
Not FHA-approved. No 3.5%-down FHA financing on this unit, so the realistic floor is a 5%-down conventional loan ($89,900). 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 ($300 in 2026), not enough for a trend yet. The listing shows $300/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 (0.2%/yr)
⚠️ Cons
- 47% above model fair value
- Older building (1909)
🚩 Red flags
Photos
Price history (this unit)
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Description
Perched on the top floor of a handsome Edwardian, The Broderick House at 39 Broderick blends timeless San Francisco character with thoughtful modern updates. Tucked away on a quiet residential block just above the Divisadero corridor, it offers the rare combination of peaceful living with some of the city's best neighborhood amenities just moments away. This two-bedroom, two-bath home enjoys natural light, with skylights illuminating the kitchen and beautiful period details throughout. Gleaming hardwood floors, two fireplace inserts, an updated kitchen and baths, street-facing Marvin windows, additional double-pane windows, and in-unit laundry offer an ideal blend of period charm and modern…