454 Lombard St #9
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 $56,340 over five years — money that buys you no equity. A calculator that defaulted the fee to zero would have quoted you $5,672.
Not FHA-approved. No 3.5%-down FHA financing on this unit, so the realistic floor is a 5%-down conventional loan ($42,450). 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 ($940 in 2026), not enough for a trend yet. The listing shows $939/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
- Low HOA (1.3%/yr)
⚠️ Cons
- 25% above model fair value
- HOA $939/mo
- Ground floor
🚩 Red flags
Photos
Price history (this unit)
- Sep 28, 2026 — Listed $849,000
- May 30, 2023 — Sold (MLS) $799,000
- May 30, 2023 — Sold (Public Records) $799,000
- Apr 13, 2023 — Listed $799,000
- Sep 2, 1993 — Sold (MLS) $220,000
- Feb 2, 1993 — Listed $239,500
Description
Welcome to this bright and spacious top-floor 1-bedroom, 1-bathroom condominium in Telegraph Hill, where natural light, city views, and an exceptionally walkable location come together. Set within an award-winning building by architect Donald MacDonald, this inviting home sits on a peaceful, tree-lined street and features wood floors, a corner fireplace, multiple skylights, and floor-to-ceiling sliding glass doors opening to a south-facing balcony with city views. The spacious living room is filled with natural light and opens directly to the balcony. The bedroom is tucked away for privacy and features a generous walk-in closet and peek-a-boo water view. The well-maintained building offers…