4132 3rd St #1
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
24% of that payment is not the mortgage. The HOA fee alone is $36,000 over five years — money that buys you no equity. A calculator that defaulted the fee to zero would have quoted you $6,520.
Not FHA-approved. No 3.5%-down FHA financing on this unit, so the realistic floor is a 5%-down conventional loan ($49,750). 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 2026-11-05 — 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 ($600 in 2026), not enough for a trend yet. The listing shows $600/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
- On market 51 days → some leverage
- In-unit W/D
- Garage parking
- Low HOA (0.7%/yr)
⚠️ Cons
- HOA $600/mo
- Ground floor
🚩 Red flags
Photos
Price history (this unit)
- Oct 20, 2026 — Price Changed $995,000
- Sep 18, 2026 — Listed $1,095,000
- Apr 11, 2016 — Sold (MLS) $985,000
- Apr 11, 2016 — Sold (Public Records) $985,000
- Jan 28, 2016 — Listed $968,000
- Mar 12, 2015 — Sold (MLS) $935,000
Description
Modern townhome in prime Bayview location. Sleek 3 level townhome with 3 bedrooms, 2.5 bathrooms, parking, and multiple private outdoor spaces. Close proximity to the T line, Flora Grubb, dining, and located in a neighborhood with some of the best weather in San Francisco. Enter into the homes open floor plan 1st floor with private patio, natural light, and modern finishes. Wide plank hardwood floors, quartz countertops, and stainless appliances. The second and 3rd levels feature excellent views, outdoor space from the primary suite, in unit washer/dryer, and one car secured garage parking. Well maintained elevator building. Easy and fast access to the 101, 280, Bay bridge, and Cal Train.…