649 Lyon St #649
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
19% of that payment is not the mortgage. The HOA fee alone is $10,500 over five years — money that buys you no equity. A calculator that defaulted the fee to zero would have quoted you $6,268.
Not FHA-approved. No 3.5%-down FHA financing on this unit, so the realistic floor is a 5%-down conventional loan ($46,950). 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 ($175 in 2026), not enough for a trend yet. The listing shows $175/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 6)
- Garage parking
- Low HOA (0.2%/yr)
⚠️ Cons
- Only 1 bath
🚩 Red flags
Photos
Price history (this unit)
- Sep 30, 2026 — Listed $939,000
- Sep 29, 2026 — Listed $939,000
- Nov 27, 2019 — Sold (Public Records) $849,000
- May 28, 2015 — Sold (Public Records) $925,000
- Jan 4, 2013 — Sold (Public Records) $515,000
- Oct 22, 2004 — Sold (Public Records) $399,000
Description
Welcome to this stunning ground-floor home in NOPA (North of Panhandle)one of San Franciscos most vibrant and sought-after neighborhoods. Tucked along a quiet, slow-street corridor known for its community feel and neighborhood block gatherings, this condo perfectly pairs city living with charm and function that supports life on the go. The condo features high ceilings and sleek European oak hardwood flooring throughout. The generous main living area flows into an outfitted kitchen with crisp Quartz countertops and a large social island with seating. The primary bedroom boasts a deep walk-in style closet, while the versatile second bedroom makes an ideal home office, nursery, or guest room.…