4096 17th St #212
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
30% of that payment is not the mortgage. The HOA fee alone is $48,960 over five years — money that buys you no equity. A calculator that defaulted the fee to zero would have quoted you $4,586.
Not FHA-approved. No 3.5%-down FHA financing on this unit, so the realistic floor is a 5%-down conventional loan ($34,250). 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 ($816 in 2026), not enough for a trend yet. The listing shows $816/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
- Cheapest of 29 tracked in Sf District 5
- Garage parking
- Low HOA (1.4%/yr)
⚠️ Cons
- HOA $816/mo
- Older building (1965)
🚩 Red flags
Photos
Price history (this unit)
- Sep 24, 2026 — Listed $685,000
- Jun 15, 2006 — Sold (MLS) $559,500
- Jun 15, 2006 — Sold (Public Records) $559,500
- Apr 18, 2006 — Listed $569,000
- Nov 15, 2002 — Sold (MLS) $329,000
- Nov 15, 2002 — Sold (Public Records) $329,000
Description
Sunny updated one-bedroom condo just up from the Castro, one block from the Muni Metro and minutes from everything on Castro Street. Enjoy an open living area that leads out to a private balcony, with built-in bookcases and cabinet storage on both sides. The newly renovated kitchen is open to the living and dining space, featuring new quartz counters, new sink, freshly painted cabinets, and a new refrigerator. The bedroom is set apart from the living space and has a walk-in closet, and the full bath is updated with a new quartz vanity top, new tile floor, and a refinished tub. Additional updates in 2026 include new flooring throughout, fresh interior paint, new kitchen and bath counters…