761 Tehama St #13
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
27% of that payment is not the mortgage. The HOA fee alone is $33,780 over five years — money that buys you no equity. A calculator that defaulted the fee to zero would have quoted you $4,400.
Not FHA-approved. No 3.5%-down FHA financing on this unit, so the realistic floor is a 5%-down conventional loan ($33,450). 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 2026-11-05 — 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 ($563 in 2026), not enough for a trend yet. The listing shows $563/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%/yr)
⚠️ Cons
- HOA $563/mo
- Ground floor
🚩 Red flags
- Listed BELOW its 2025 sale ($685k) → value eroding
- Live/work loft — workspace-heavy sqft and a thinner buyer pool inflate the apparent discount vs regular condo comps
Photos
Price history (this unit)
- Nov 5, 2026 — Listed $669,000
- Mar 10, 2025 — Sold (MLS) $685,000
- Mar 10, 2025 — Sold (Public Records) $685,000
- Jan 9, 2025 — Listed $699,000
- Dec 3, 2015 — Sold (MLS) $750,000
- Dec 3, 2015 — Sold (Public Records) $750,000
Description
Bright, peaceful industrial-chic top floor 1 bedroom, 1.5 bath live/work loft in the heart of SoMa, close to Civic Center, Hayes Valley, and Downtown. Double-height ceilings and double-height windows with southern views and custom electric blinds fill the open-plan living space with natural light. The spacious eat-in kitchen offers abundant counter and cabinet space and stainless steel appliances, including a French door refrigerator with ice and water, a gas range, a dishwasher, and a microwave, and it overlooks a living room anchored by a cozy fireplace, ideal for entertaining. A large alcove adapts easily to a home office or guest space. The main level is completed by a remodeled powder…