640 Davis St #5
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
29% of that payment is not the mortgage. The HOA fee alone is $98,160 over five years — money that buys you no equity. A calculator that defaulted the fee to zero would have quoted you $9,950.
Not FHA-approved. No 3.5%-down FHA financing on this unit, so the realistic floor is a 5%-down conventional loan ($74,750). 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 2026-10-08 — 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 ($1,636 in 2026), not enough for a trend yet. The listing shows $1,636/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
- Garage parking
- Low HOA (1.3%/yr)
⚠️ Cons
- HOA $1636/mo
- Ground floor
- Photos look dim — verify light in person
🚩 Red flags
- Very high HOA $1636/mo (full-service high-rise)
Photos
Price history (this unit)
- Sep 15, 2026 — Listed $1,495,000
- Nov 5, 2023 — Rental Removed $4,195
- Oct 21, 2023 — Listed for Rent $4,195
- Feb 19, 1997 — Sold (MLS) $600,000
- Mar 21, 1996 — Listed $624,500
Description
Welcome to 640 Davis Street #5, a rare opportunity to bring your own vision to a San Francisco residence located in Golden Gateway Commons. The property is vacant and remains largely in its original condition, giving the next buyer a beautiful canvas to update, renovate and make their own. The home offers generous living and dining spaces, a fireplace, expansive windows and skylights that bring in natural light throughout the day. The kitchen looks out toward the brick-lined atrium/patio, creating a nice connection between the indoor and outdoor spaces. The primary bath includes dual sinks and generous storage. Located within a tranquil landscaped courtyard community and close to the…