618 Peralta Ave
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 $18,000 over five years — money that buys you no equity. A calculator that defaulted the fee to zero would have quoted you $5,672.
Not FHA-approved. No 3.5%-down FHA financing on this unit, so the realistic floor is a 5%-down conventional loan ($42,450). 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 ($300 in 2026), not enough for a trend yet. The listing shows $300/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 (0.4%/yr)
⚠️ Cons
- Older building (1965)
- Only 1 bath
🚩 Red flags
Photos
Price history (this unit)
- Sep 17, 2026 — Listed $1,095,000
- Sep 17, 2026 — Listed $1,095,000
- Oct 31, 2003 — Sold (Public Records) $715,000
Description
Welcome to 618 Peralta Ave beautifully renovated, turn-key sanctuary nestled in Bernal Heights, just steps from the panoramic views and open trails of Bernal Heights Park. Step through the sleek craftsman front door into a light-filled open layout, where the living room features elegant wall molding accents, recessed lighting, and seamless wood-toned flooring. At the center of the home is a designer kitchen built for entertaining, complete with crisp white shaker cabinets, warm brass hardware, quartz countertops, a marble-like tile backsplash, floating shelving, and premium stainless steel appliances surrounding a spacious breakfast bar. The bright primary bedroom serves as a true…