542 Natoma St Unit C2
This is a commercial condo — business space that appears in the condo feed, not a home. Its $/sqft naturally sits far below residential units, so comparing it to condo comps would manufacture a spectacular fake discount. We don't score it at all.
💵What this unit actually costs per month
25% of that payment is not the mortgage. The HOA fee alone is $19,020 over five years — money that buys you no equity. A calculator that defaulted the fee to zero would have quoted you $3,464.
Not FHA-approved. No 3.5%-down FHA financing on this unit, so the realistic floor is a 5%-down conventional loan ($26,250). 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 2026-11-05 — 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 ($317 in 2026), not enough for a trend yet. The listing shows $317/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
- 33% below model fair value
- Low HOA (0.7%/yr)
⚠️ Cons
🚩 Red flags
- Commercial condo — business space, not a home; residential comps and the Deal Score do not apply
Photos
Price history (this unit)
- Oct 23, 2026 — Listed $525,000
- Aug 15, 2026 — Rental Removed $1,920
- Aug 13, 2026 — Listed for Rent $1,920
- Nov 24, 2025 — Rental Removed $1,720
- Oct 18, 2025 — Listed for Rent $1,720
Description
542 Natoma Street #C2 is a bright and versatile live/work commercial condo studio offering a spacious open U-shaped floor plan with flexibility for both living and working. Large windows fill the space with natural light, while warm wood flooring and an open kitchen with stainless steel appliances create a clean, contemporary feel. The unique layout allows for distinct living, dining, work, and creative areas while maintaining an open flow throughout. Complete with an in-unit washer and dryer, this stylish and flexible space offers a unique opportunity to live, work, and create in the heart of San Francisco.