45 Bartlett St #206
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
29% of that payment is not the mortgage. The HOA fee alone is $58,020 over five years — money that buys you no equity. A calculator that defaulted the fee to zero would have quoted you $5,977.
Not FHA-approved. No 3.5%-down FHA financing on this unit, so the realistic floor is a 5%-down conventional loan ($44,750). 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 ($967 in 2026), not enough for a trend yet. The listing shows $967/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 45 days → some leverage
- In-unit W/D
- Garage parking
- Low HOA (1.3%/yr)
⚠️ Cons
- HOA $967/mo
🚩 Red flags
Photos
Price history (this unit)
- Aug 27, 2026 — Listed $999,000
Description
Welcome to Vida! This stylish, move-in-ready condo in the heart of the Mission District is a thoughtfully designed 2BD/2BA residence with a well-balanced floor plan that maximizes space and functionality. The open living and dining area connects seamlessly to a modern kitchen, creating a comfortable setting for everyday living and easy entertaining. The kitchen features stainless steel appliances and ample cabinetry, blending clean design with practical use. Subtle design details include a statement light fixture that adds warmth and character to the main living space. Additional features include in-unit laundry, built-in storage, and contemporary bathrooms with a clean, streamlined finish.…