550 Davis St #50
💵What this unit actually costs per month
27% of that payment is not the mortgage. The HOA fee alone is $103,380 over five years — money that buys you no equity. A calculator that defaulted the fee to zero would have quoted you $12,730.
Not FHA-approved. No 3.5%-down FHA financing on this unit, so the realistic floor is a 5%-down conventional loan ($97,500). 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 2026-11-05 — 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 ($1,723 in 2026), not enough for a trend yet. The listing shows $1,723/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
- Upper floor (fl 5)
- Low HOA (1.1%/yr)
⚠️ Cons
- HOA $1723/mo
🚩 Red flags
- Very high HOA $1723/mo (full-service high-rise)
- Listed BELOW its 2025 sale ($2000k) → value eroding
Photos
Price history (this unit)
- Sep 5, 2025 — Sold (Public Records) $2,000,000
- Aug 9, 2013 — Sold (MLS) $1,576,500
- Aug 9, 2013 — Sold (Public Records) $1,576,500
- Jul 15, 2013 — Listed $1,625,000
- Oct 28, 2005 — Sold (MLS) $1,295,000
- Oct 28, 2005 — Sold (Public Records) $1,256,500
Description
Indoor-outdoor living in the heart of San Francisco. This distinctive three-bedroom, two-bath townhome-style residence is detached on three sides and shoiwcases four private decks. The living room with soaring skylights, expansive walls of glass, and wood burning fireplace creates an exceptional sense of light, volume, and connection to the outdoors. Sliding glass doors open directly to two separate private decks seamlessly connecting the main living space with surrounding lush landscape. A recently updated kitchen features sleek white cabinetry, quartz countertops, luxurious stainless steel appliances, and generous storage, complemented by the adjacent skylit dining room. Both primary…