520 29th St
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
21% of that payment is not the mortgage. The HOA fee alone is $24,000 over five years — money that buys you no equity. A calculator that defaulted the fee to zero would have quoted you $6,997.
Not FHA-approved. No 3.5%-down FHA financing on this unit, so the realistic floor is a 5%-down conventional loan ($52,450). 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 ($400 in 2026), not enough for a trend yet. The listing shows $400/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 (0.5%/yr)
⚠️ Cons
- Older building (1906)
- Only 1 bath
🚩 Red flags
Photos
Price history (this unit)
- Sep 14, 2026 — Listed $1,049,000
- Sep 10, 2010 — Price Changed $725,000
- Sep 10, 2010 — Sold (MLS) $725,000
- Sep 10, 2010 — Sold (Public Records) $725,000
- Jul 15, 2010 — Price Changed $724,000
- Jul 1, 2010 — Price Changed $749,000
Description
Set on a quiet, tree-lined street in Noe Valley, this charming yet modernized Edwardian-era home offers an oasis in Noe Valley just steps from vibrant local shops, restaurants, abundant public transit options, and more. Preserved period details, from coved ceilings, wainscoting, ceiling medallions, and a built-in hutch, to a striking Arts and Crafts style fireplace that anchors the living room, blend thoughtfully with modern updates including a remodeled kitchen and bathroom, updated lighting, stainless steel appliances, and a designer paint scheme. The spacious and sun-drenched living room offers a peaceful retreat with large bay windows and hardwood floors. The kitchen transitions…