631 Folsom St Unit 15B
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
28% of that payment is not the mortgage. The HOA fee alone is $80,160 over five years — money that buys you no equity. A calculator that defaulted the fee to zero would have quoted you $8,471.
FHA approval has expired on this project. An FHA buyer cannot use it today, and the fact that it once qualified and then stopped is worth asking the board about. Plan on a conventional loan — 5% down at the very least.
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 ($1,353 in 2026), not enough for a trend yet. The listing shows $1,336/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 (1.2%/yr)
- Newer build (2009)
⚠️ Cons
- 31% above model fair value
- HOA $1336/mo
- Ground floor
🚩 Red flags
- Very high HOA $1336/mo (full-service high-rise)
Photos
Price history (this unit)
- Oct 19, 2026 — Listed $1,295,000
- Oct 19, 2026 — Listed $1,295,000
- Jun 4, 2021 — Sold (Public Records) $1,235,000
- Jun 21, 2017 — Sold (Public Records) $1,265,000
- Aug 14, 2014 — Sold (Public Records) $1,175,000
- Aug 13, 2014 — Sold (MLS) $1,175,000
Description
Elevate your lifestyle at BLU, a luxury high-rise in vibrant Yerba Buena, San Francisco. This 15th-floor, 2-bedroom, 2-bath corner residence has spacious, versatile living and dining areas for relaxing, working from home, or entertaining. Floor-to-ceiling windows bring natural light and striking city skyline views, enhanced by generous space between buildings and a rare sense of openness throughout the home. The chef's kitchen has premium appliances, a spacious island, and a bar counter for extra seating, workspace, casual dining, and gatherings. The primary suite has an ensuite bath with dual sinks and a walk-in closet. Both bedrooms have automated blackout drapes and built-in closet…