637 Powell St #302
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
27% of that payment is not the mortgage. The HOA fee alone is $70,860 over five years — money that buys you no equity. A calculator that defaulted the fee to zero would have quoted you $8,829.
Not FHA-approved. No 3.5%-down FHA financing on this unit, so the realistic floor is a 5%-down conventional loan ($67,500). 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 ($1,181 in 2026), not enough for a trend yet. The listing shows $1,181/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 3)
- Low HOA (1%/yr)
⚠️ Cons
- HOA $1181/mo
- Older building (1923)
- Only 1 bath
🚩 Red flags
- Very high HOA $1181/mo (full-service high-rise)
Photos
Price history (this unit)
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Description
Rare scale and serenity at the heart of Nob Hill. This 1923 two-bedroom residence at 637 Powell Street pairs classic style with about $100K in upgrades. Set back from street noise, the L-shaped layout offers generous proportions, ample storage, and exceptional natural light. A formal entry opens to hardwood floors and high, coved ceilings. The spacious, sunlit living room is tranquil, with an oversized window and sky views over a private square. The spacious formal dining room, with an oversized custom lampshade, flows into a remodeled kitchen with granite slab counters, Carrara marble tile, custom halogen lighting, cherry cabinetry, Viking range, Bosch dishwasher, and in-unit washer/dryer.…