4077 23rd 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 $23,580 over five years — money that buys you no equity. A calculator that defaulted the fee to zero would have quoted you $10,613.
Not FHA-approved. No 3.5%-down FHA financing on this unit, so the realistic floor is a 5%-down conventional loan ($79,750). 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 ($393 in 2026), not enough for a trend yet. The listing shows $393/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 (0.3%/yr)
⚠️ Cons
- 29% above model fair value
- Older building (1900)
🚩 Red flags
Photos
Price history (this unit)
- Oct 8, 2026 — Listed $1,595,000
- Feb 18, 2021 — Sold (MLS) $1,505,000
- Jan 8, 2021 — Listed $1,395,000
- May 18, 2016 — Sold (MLS) $1,280,000
- May 18, 2016 — Sold (Public Records) $1,280,000
- Apr 1, 2016 — Listed $1,295,000
Description
A perfect balance of San Francisco charm and modern design. This full floor condominium is ideally located in the heart of Noe Valley, just steps from the restaurants and shops of 24th Street, including The Noe Valley Farmers Market. This two-bedroom, two-bath home with an office alcove features high ceilings, hardwood floors, and tall windows that flood the home with natural light throughout. A spacious living room opens to the the eat-in chef's kitchen, creating a wonderful flow for everyday living and entertaining. The kitchen features custom cabinetry, stainless steel appliances, and plenty of counter and storage space. Both bedrooms are generously sized; one includes an ensuite full…