429-A 6th Ave
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
23% of that payment is not the mortgage. The HOA fee alone is $21,300 over five years — money that buys you no equity. A calculator that defaulted the fee to zero would have quoted you $4,679.
Not FHA-approved. No 3.5%-down FHA financing on this unit, so the realistic floor is a 5%-down conventional loan ($34,950). 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 ($355 in 2026), not enough for a trend yet. The listing shows $355/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 7 tracked in Sf District 1
- In-unit W/D
- Low HOA (0.6%/yr)
⚠️ Cons
- 17% above model fair value
- Small (580 sf)
- Photos look dim — verify light in person
🚩 Red flags
- Listed BELOW its 2022 sale ($725k) → value eroding
Photos
Price history (this unit)
- Sep 15, 2026 — Listed $699,000
- May 17, 2022 — Sold (Public Records) $725,000
- Nov 14, 2006 — Sold (Public Records) $500,000
Description
Welcome to this updated 1-bedroom, 1-bathroom condo in San Francisco's desirable Richmond District. Located on the lower level of a charming 3-unit building, this home offers a comfortable and efficient layout with modern updates throughout. Enjoy an unbeatable location just steps from public transportation and minutes from the shops, restaurants, and everyday conveniences along Geary Boulevard. With the best of the Richmond District right outside your door, you'll have easy access to dining, shopping, cafes, and neighborhood favorites. Perfect for a first time buyer or anyone looking for a convenient city home, this condo combines low maintenance living with an established and highly…