45 Hancock St #1
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
19% of that payment is not the mortgage. The HOA fee alone is $18,060 over five years — money that buys you no equity. A calculator that defaulted the fee to zero would have quoted you $11,275.
Not FHA-approved. No 3.5%-down FHA financing on this unit, so the realistic floor is a 5%-down conventional loan ($84,750). 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 ($301 in 2026), not enough for a trend yet. The listing shows $301/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
- In-unit W/D
- Garage parking
- Low HOA (0.2%/yr)
⚠️ Cons
- 42% above model fair value
- Ground floor
🚩 Red flags
Photos
Price history (this unit)
- Oct 3, 2026 — Listed $1,695,000
- Jan 19, 2017 — Sold (Public Records) $1,466,067
- Jan 18, 2017 — Sold (MLS) $1,466,000
- Oct 5, 2016 — Listed $1,325,000
- Jan 12, 2000 — Sold (MLS) $540,000
- Oct 14, 1999 — Listed $535,000
Description
Just half a block from Dolores Park, this spacious 2BD/2BA condo offers approximately 1,250 sq. ft. of living space in one of San Francisco's most coveted locations. Tall ceilings, freshly refinished maple engineered wood floors, a cozy gas fireplace and an open floor plan create a warm, inviting home made for entertaining. The generous kitchen features granite countertops, stainless-steel appliances and a large center island, flowing seamlessly into the dining and living areas. A sliding glass door opens directly onto a brand-new tiled front deckperfect for morning coffee, a glass of wine, people-watching and enjoying a peek toward Dolores Park. The expansive primary suite offers a…