72 Townsend St #401
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
29% of that payment is not the mortgage. The HOA fee alone is $62,940 over five years — money that buys you no equity. A calculator that defaulted the fee to zero would have quoted you $6,117.
Not FHA-approved. No 3.5%-down FHA financing on this unit, so the realistic floor is a 5%-down conventional loan ($46,650). 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 ($1,210 in 2026), not enough for a trend yet. The listing shows $1,049/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 4)
- In-unit W/D
- Garage parking
- Low HOA (1.3%/yr)
⚠️ Cons
- 22% above model fair value
- HOA $1049/mo
🚩 Red flags
- Very high HOA $1049/mo (full-service high-rise)
Photos
Price history (this unit)
- Oct 15, 2026 — Listed $933,000
Description
Welcome to 72 Townsend, a boutique mid-rise residence in the heart of South Beach, one of San Francisco's most vibrant and sought-after neighborhoods. This exclusive building offers just 74 luxury condominiums featuring refined finishes and exceptional amenities. Residence 401 is a bright and inviting one-bedroom, one-bathroom home with an open-concept floor plan and floor-to-ceiling windows that flood the space with natural light. The seamless flow between the living, dining, and kitchen areas creates the perfect setting for both everyday living and effortless entertaining. Step onto your private balcony to enjoy fresh air and city views. The chef's kitchen is beautifully appointed with…