423 Waller St #8
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 $24,240 over five years — money that buys you no equity. A calculator that defaulted the fee to zero would have quoted you $4,569.
FHA approval has expired on this project. An FHA buyer cannot use it today, and the fact that it once qualified and then stopped is worth asking the board about. Plan on a conventional loan — 5% down at the very least.
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
2 recorded pointsReconstructed from 2 units of recorded sales at 423 Waller St — every recorded sale carries its HOA fee and date. No listing site shows this.
We have a few recorded HOA fees for this building but not yet enough to call a reliable trend, so these are the raw points — no rate implied. Its documents fill in the reserve health and assessment risk.
🏢 Get this building's full reserve & assessment report — free →✅ Positives
- Garage parking
- Low HOA (0.7%/yr)
⚠️ Cons
- 11% above model fair value
- Small (588 sf)
- Older building (1965)
🚩 Red flags
Photos
Price history (this unit)
- Oct 29, 2026 — Listed $695,000
- Aug 21, 2012 — Sold (MLS) $470,000
- Aug 21, 2012 — Sold (Public Records) $470,000
- Jun 7, 2012 — Price Changed $475,000
- May 11, 2012 — Listed $495,000
- Aug 24, 2001 — Sold (Public Records) $445,000
Description
At the intersection of three of San Francisco's most beloved neighborhoods: Duboce Triangle, Lower Haight, and Hayes Valley, this light-filled top-floor condominium offers a quintessential San Francisco experience - the kind that inspires stories, songs, and a certain affection for the city that never quite leaves you. Step inside, where an open floor plan unfolds besides windows that draw natural light into the heart of the home. Beyond the windows, views toward Twin Peaks and Sutro Tower offer an unmistakably San Francisco backdrop. The updated kitchen flows effortlessly into the adjoining living and dining areas, equally suited to a quiet evening in or a lively gathering with friends.…