737 Union 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
Not FHA-approved. No 3.5%-down FHA financing on this unit, so the realistic floor is a 5%-down conventional loan ($79,950). 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. 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
⚠️ Cons
- 17% above model fair value
- Older building (1923)
🚩 Red flags
Photos
Price history (this unit)
- Sep 26, 2026 — Listed $1,599,000
Description
On the cusp between Russian Hill, Nob Hill, and North Beach, this charming historic flat oozes San Francisco charm, sights, and soundscapes. The two-unit building was just repainted inside and out. Every room has details that make it stand out. The living room has bay windows that frame St. Peter and Paul's & Coit Tower, hardwood floors, and double-paned glass. The dining room also has views of St. Peter and Paul's and Coit Tower, crown molding, and a ceiling medallion. The kitchen has been nicely remodeled with granite countertops, stainless steel appliances, and glass cabinet doors. There is space for informal dining. The kitchen leads to a finished laundry room with stacking W/ D and…