44 San Antonio Pl
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 $25,680 over five years — money that buys you no equity. A calculator that defaulted the fee to zero would have quoted you $9,950.
Not FHA-approved. No 3.5%-down FHA financing on this unit, so the realistic floor is a 5%-down conventional loan ($74,750). 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 ($428 in 2026), not enough for a trend yet. The listing shows $428/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 79 days → some leverage
- Garage parking
- Low HOA (0.3%/yr)
⚠️ Cons
- 50% above model fair value
- Older building (1955)
🚩 Red flags
- Listed BELOW its 2000 sale ($1700k) → value eroding
Photos
Price history (this unit)
- Sep 12, 2026 — Price Changed $1,495,000
- Jul 24, 2026 — Listed $1,595,000
- Aug 10, 2000 — Sold (MLS) $1,700,000
- Jul 10, 2000 — Listed $999,000
Description
Welcome to this beautifully renovated condominium in the heart of iconic Telegraph Hill. Newly converted from a two-unit Tenancy-in-Common (TIC) into a condominium, this exceptional residence combines classic San Francisco character with sophisticated, modern upgrades. Thoughtfully redesigned with high-quality finishes throughout, the home offers approximately 1,099 square feet of stylish living space featuring an open-concept floor plan, a designer kitchen with premium appliances, custom cabinetry, elegant stone countertops, and beautifully remodeled bathrooms. Large windows fill the home with natural light while showcasing the charm of one of San Francisco's most desirable neighborhoods.…