400 Oak St #6
💵What this unit actually costs per month
21% 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 $7,964.
Not FHA-approved. No 3.5%-down FHA financing on this unit, so the realistic floor is a 5%-down conventional loan ($59,750). 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
- Garage parking
- Low HOA (0.4%/yr)
⚠️ Cons
- Ground floor
- Only 1 bath
🚩 Red flags
- Listed BELOW its 2021 sale ($1250k) → value eroding
Photos
Price history (this unit)
- Oct 2, 2026 — Listed $1,195,000
- Dec 23, 2021 — Sold (MLS) $1,250,000
- Dec 23, 2021 — Sold (Public Records) $1,250,000
- Nov 12, 2021 — Listed $999,000
- Dec 30, 2003 — Sold (MLS) $379,000
- Jun 5, 2003 — Listed $379,000
Description
Situated on the border of Hayes Valley and the Lower Haight, this top-floor two-bedroom, one-bath residence puts two of San Francisco's most desirable neighborhoods right outside your door. Bathed in natural light by day and framed by sparkling city views at night, the home captures the effortless character and energy of San Francisco living. Soaring ten-foot ceilings and walls of windows create an airy sense of scale, while classic Victorian details blend seamlessly with thoughtful contemporary updates. The inviting eat-in kitchen features stainless-steel appliances and sleek quartz countertops, creating a stylish and functional space for everyday living and entertaining. In the living…