666 Post St #1103
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
37% of that payment is not the mortgage. The HOA fee alone is $82,320 over five years — money that buys you no equity. A calculator that defaulted the fee to zero would have quoted you $4,348.
Not FHA-approved. No 3.5%-down FHA financing on this unit, so the realistic floor is a 5%-down conventional loan ($32,450). 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
2 recorded pointsReconstructed from 5 units of recorded sales at 666 Post St — every recorded sale carries its HOA fee and date. No listing site shows this.
We have a few recorded HOA fees for this building but not yet enough to call a reliable trend, so these are the raw points — no rate implied. Its documents fill in the reserve health and assessment risk.
🏢 Get this building's full reserve & assessment report — free →✅ Positives
- 17% below model fair value
- Upper floor (fl 11)
⚠️ Cons
- HOA $1372/mo
- Photos look dim — verify light in person
🚩 Red flags
- Very high HOA $1372/mo (full-service high-rise)
Photos
Price history (this unit)
- Sep 8, 2026 — Listed $649,000
- Jan 31, 2025 — Sold (MLS) $649,000
- Oct 18, 2024 — Listed $649,000
- Dec 2, 2008 — Sold (MLS) $530,000
- Sep 11, 2008 — Price Changed $545,000
- Aug 8, 2008 — Listed $559,000
Description
Step into timeless sophistication at 666 Post Street, an iconic residence located in the heart of Lower Nob Hill. Built in the 1920s & designed with classic Beaux-Arts charm, this historic building blends architectural elegance with modern comfort. Residence #1103 has expansive outlooks that bathe the space in natural light, and intricate period details that reflect the building's rich history. This spacious layout provides a perfect balance of style & function with a large open living, dining & kitchen area. Off the living room is a den, which makes for a lovely office or guest room. An elegant hallway leads you to a spacious bedroom & multiple closets, including a large walk-in. A lovely…