5301 Mission 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
25% of that payment is not the mortgage. The HOA fee alone is $29,280 over five years — money that buys you no equity. A calculator that defaulted the fee to zero would have quoted you $4,686.
Not FHA-approved. No 3.5%-down FHA financing on this unit, so the realistic floor is a 5%-down conventional loan ($35,000). 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 ($488 in 2026), not enough for a trend yet. The listing shows $488/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
- 23% below model fair value
- On market 86 days → some leverage
- Garage parking
- Low HOA (0.8%/yr)
⚠️ Cons
- Ground floor
- Photos look dim — verify light in person
🚩 Red flags
Photos
Price history (this unit)
- Oct 2, 2026 — Price Changed $699,999
- Oct 2, 2026 — Price Changed $699,999
- Jul 18, 2026 — Listed $749,999
- Jul 17, 2026 — Listed $749,999
- Apr 8, 2010 — Sold (Public Records) $305,000
- Dec 29, 2006 — Sold (MLS) $515,000
Description
An incredible opportunity to own a spacious, light-filled condominium in one of SFs most vibrant, commuter-friendly neighborhoods - Muni/BART/280 Freeway, Supermarkets and SF City College nearby. New Stove, Refrigerator, and microwave. New hardwood floors in all bedrooms, on-site coin operated laundry facility, 1 car garage with storage and shared patio space. Water & garbage included in HOA. New exterior paint by HOA