630 Diamond St
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 $24,000 over five years — money that buys you no equity. A calculator that defaulted the fee to zero would have quoted you $7,821.
Not FHA-approved. No 3.5%-down FHA financing on this unit, so the realistic floor is a 5%-down conventional loan ($59,750). 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 ($400 in 2026), not enough for a trend yet. The listing shows $400/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
- Low HOA (0.4%/yr)
⚠️ Cons
- 14% above model fair value
- Older building (1908)
- Only 1 bath
🚩 Red flags
- Listed BELOW its 2019 sale ($1355k) → value eroding
Photos
Price history (this unit)
- Nov 2, 2026 — Listed $1,195,000
- May 24, 2019 — Sold (MLS) $1,355,000
- May 24, 2019 — Sold (Public Records) $1,355,000
- Apr 22, 2019 — Listed $995,000
- Jun 26, 2013 — Sold (MLS) $776,000
- Jun 26, 2013 — Sold (Public Records) $776,000
Description
Period character meets contemporary design in this two-bedroom, one-bath residence in the heart of Noe Valley. A spacious, renovated kitchen anchors the home, drawing natural light throughout the day and opening to the dining and living areas for an effortless flow between cooking, gathering, and entertaining. A bay window and gas fireplace bring warmth and architectural distinction to the primary bedroom, while the updated bathroom features a glass-enclosed shower and stone tile. Hardwood floors run throughout, creating a cohesive backdrop for the home's classic details. Directly off the kitchen, the shared backyard extends daily living outdoors, with space to garden, grill, or linger over…