710 Bay St
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
20% of that payment is not the mortgage. The HOA fee alone is $17,760 over five years — money that buys you no equity. A calculator that defaulted the fee to zero would have quoted you $7,821.
Not FHA-approved. No 3.5%-down FHA financing on this unit, so the realistic floor is a 5%-down conventional loan ($59,750). 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 2026-11-05 — 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 ($296 in 2026), not enough for a trend yet. The listing shows $296/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
- Low HOA (0.3%/yr)
⚠️ Cons
- Older building (1913)
- Only 1 bath
🚩 Red flags
Photos
Price history (this unit)
- Nov 3, 2026 — Listed $1,195,000
- Aug 26, 2025 — Sold (Public Records) $1,175,000
- Jun 16, 2025 — Rental Removed $4,990
- Jun 10, 2025 — Listed for Rent $4,990
- Nov 23, 2016 — Sold (Public Records) $1,150,000
Description
Set on the North-slope of Russian Hill, 710 Bay Street offers a rare blend of timeless architectural elegance and refined contemporary living. This sun-drenched residence, impresses from the moment you enter with its soaring ceilings, rich hardwood flooring, and expansive windows framing sweeping views of the San Francisco Bay, Alcatraz, and the city skyline. The thoughtfully designed layout boasts a serene sunroom ideal for a home office, and a chefs kitchen equipped ample cabinetry and stainless steel appliances. Everyday luxury is further elevated by a spa-inspired bathroom, generous storage, and in-unit washer and dryer. Beyond the residence itself, the home delivers an unmatched San…