66 Cleary Ct #105
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 $86,520 over five years — money that buys you no equity. A calculator that defaulted the fee to zero would have quoted you $9,739.
FHA-approved project. A 3.5%-down FHA loan is available here — about $52,150 down instead of $298,000. That also keeps low-down-payment buyers in the pool when you come to sell.
Minimum realistic down payment here: 3.5% · 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 ($1,442 in 2026), not enough for a trend yet. The listing shows $1,442/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)
⚠️ Cons
- 13% above model fair value
- HOA $1442/mo
- Older building (1963)
🚩 Red flags
- Very high HOA $1442/mo (full-service high-rise)
Photos
Price history (this unit)
- Oct 29, 2026 — Listed $1,490,000
- Mar 13, 2025 — Sold (MLS) $1,360,000
- Mar 13, 2025 — Sold (Public Records) $1,360,000
- Feb 6, 2025 — Listed $1,198,000
- Apr 4, 2023 — Sold (MLS) $1,285,000
- Apr 4, 2023 — Sold (Public Records) $1,285,000
Description
Experience the best of San Francisco living in this beautifully remodeled, light-filled condominium, where iconic mid-century architecture meets modern comfort and effortless indoor-outdoor living. Located in a distinctive Joseph Eichler-commissioned building in the heart of Cathedral Hill, this spacious residence offers a rare combination of architectural character, contemporary amenities, and three private patios that seamlessly extend the living space outdoors. Designed for both everyday comfort and entertaining, the thoughtfully arranged open floor plan features dramatic floor-to-ceiling windows that fill the interiors with natural light and create a wonderful connection to the…