45 Bartlett St #312
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 $44,100 over five years — money that buys you no equity. A calculator that defaulted the fee to zero would have quoted you $4,547.
Not FHA-approved. No 3.5%-down FHA financing on this unit, so the realistic floor is a 5%-down conventional loan ($33,950). 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 ($967 in 2026), not enough for a trend yet. The listing shows $735/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
- Upper floor (fl 3)
- Low HOA (1.3%/yr)
- Newer build (2014)
⚠️ Cons
- HOA $735/mo
🚩 Red flags
Photos
Price history (this unit)
- Sep 10, 2026 — Listed $679,000
- Feb 26, 2015 — Sold (Public Records) $646,000
Description
Discover contemporary urban living at Vida, a stylish modern residence located on a quiet street in San Francisco's vibrant Inner Mission District. This beautifully appointed 1-bedroom, 1-bathroom condo offers an inviting combination of sophisticated design, comfort, and convenience. The open-concept living room is filled with natural light and showcases beautiful city views through floor-to-ceiling windows, complemented by elegant European engineered hardwood flooring and distinctive concrete ceilings. Custom California Closets throughout the home provide thoughtfully designed storage and organization. The well-designed kitchen features modern European cabinetry, quartz countertops, a…