766 Harrison St #214
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 $20,400 over five years — money that buys you no equity. A calculator that defaulted the fee to zero would have quoted you $2,692.
Not FHA-approved. No 3.5%-down FHA financing on this unit, so the realistic floor is a 5%-down conventional loan ($19,950). 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
✅ Fairly steady · +3.7%/yrReconstructed from 19 units of recorded sales at 766 Harrison St — every recorded sale carries its HOA fee and date. No listing site shows this.
These dues have held relatively steady (about +3.7%/yr over 5 years across 19 units) — a good sign. Only the reserve study confirms the building is keeping up with its big-ticket repairs.
🏢 Get this building's full reserve & assessment report — free →✅ Positives
- Low HOA (1%/yr)
- Newer build (2008)
⚠️ Cons
- 33% above model fair value
- Small (266 sf)
🚩 Red flags
- Listed BELOW its 2018 sale ($435k) → value eroding
Photos
Price history (this unit)
- Oct 5, 2018 — Sold (Public Records) $435,000
- Mar 13, 2013 — Sold (Public Records) $292,000
Description
Come enjoy the beauty and convenience of SoMa in San Francisco. A vibrant community for professionals and those who enjoy access to walkable amenities. Enjoy your kitchenette, bathroom, room and no wasted space, along with a washing facility on every floor. This studio offers a street view through an entire glass wall of windows that overlooks Harrison St, with a 5-star Japanese restaurant directly below. This is one of the few units in the Cubix Yerba Buena building that offer a full view and no shared patio with neighboring units. Wake up to this one-of-a-kind view of the city. Prime SoMa location near Whole Foods, Moscone Center, and Union Square with world-class walkability, biking, and…