39 San Carlos St #401
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 $33,540 over five years — money that buys you no equity. A calculator that defaulted the fee to zero would have quoted you $9,950.
Not FHA-approved. No 3.5%-down FHA financing on this unit, so the realistic floor is a 5%-down conventional loan ($74,750). 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 ($559 in 2026), not enough for a trend yet. The listing shows $559/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
- Upper floor (fl 4)
- In-unit W/D
- Garage parking
- Low HOA (0.4%/yr)
⚠️ Cons
- 34% above model fair value
- HOA $559/mo
🚩 Red flags
Photos
Price history (this unit)
- Sep 22, 2026 — Listed $1,495,000
Description
Surrounded by all the excitement of the Mission & Valencia, & steps away from Mission Dolores Park, 39 San Carlos #401 is a one-of-a-kind top floor 3 bed, 2 bath full flat condo, within a 3-Unit boutique building finished in 2015, offering breathtaking views of Sutro Tower and cityscape that can be enjoyed from every room. This penthouse unit features modern finishes, open living / dining room layout & a large, private roof deck w/ direct views of the SF Downtown Skyline. Beautiful, modern architecture incorporates huge, floor to near ceiling windows, wide planked hardwood floors which were recently refinished and sealed throughout, a minimalistic kitchen w/ new kitchen appliances, ample…