545 Leavenworth St #6
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
30% of that payment is not the mortgage. The HOA fee alone is $45,000 over five years — money that buys you no equity. A calculator that defaulted the fee to zero would have quoted you $4,341.
Not FHA-approved. No 3.5%-down FHA financing on this unit, so the realistic floor is a 5%-down conventional loan ($34,500). 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 2026-08-20 — 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 ($738 in 2026), not enough for a trend yet. The listing shows $750/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
- 17% below model fair value
- In-unit W/D
- Garage parking
- Low HOA (1.3%/yr)
⚠️ Cons
- HOA $750/mo
- Ground floor
🚩 Red flags
Photos
Price history (this unit)
- Aug 7, 2026 — Listed $690,000
- Jan 24, 2002 — Sold (MLS) $412,000
- Jan 24, 2002 — Sold (Public Records) $412,000
- Dec 19, 2001 — Listed $419,000
Description
Located in vibrant Lower Nob Hill, this pristine one-bed, two-bath loft condo offers a blend of modern sophistication and exceptional value. The expansive open-concept living/dining area is framed by a dramatic wall of French doors, and soaring windows, bathing the space in natural light to create an airy ambiance. A sleek fireplace adds warmth to this refined urban retreat. The remodeled chef's kitchen features stone counters, high-end cabinetry, stainless appliances, and generous cabinet space. A full bath and laundry closet complete the main level. Ascend to the charming mezzanine bedroom, which features cork floors, office space, full ensuite bath and private balcony. Residents enjoy acc