650 Turk St #402
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
34% of that payment is not the mortgage. The HOA fee alone is $54,180 over five years — money that buys you no equity. A calculator that defaulted the fee to zero would have quoted you $3,686.
Not FHA-approved. No 3.5%-down FHA financing on this unit, so the realistic floor is a 5%-down conventional loan ($27,450). 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 ($890 in 2026), not enough for a trend yet. The listing shows $903/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
- 18% below model fair value
- 27% below its 2017 peak
- Upper floor (fl 4)
- Newer build (2008)
⚠️ Cons
- HOA $903/mo
🚩 Red flags
Photos
Price history (this unit)
- Sep 12, 2026 — Listed $549,000
- Mar 5, 2025 — Sold (MLS) $550,000
- Mar 5, 2025 — Sold (Public Records) $550,000
- Jan 22, 2025 — Listed $499,000
- Nov 1, 2017 — Sold (Public Records) $750,000
Description
Experience sophisticated urban living in this stylish 1-bedroom, 1-bath condo at beautiful Symphony Towers, ideally located just moments from San Francisco's Civic Center. Thoughtfully designed with an inviting, spacious layout, the home features natural light throughout the living room and bedroom, creating a bright and welcoming atmosphere. The contemporary kitchen is equipped with stainless steel appliances and granite countertops, while a Bosch washer and dryer add everyday convenience. Additional amenities include secure parking and bike lockers. Residents enjoy well-appointed common spaces, including a landscaped courtyard and a rooftop terrace offering city views and a setting to…