77 Van Ness Ave #403
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
22% of that payment is not the mortgage. The HOA fee alone is $36,420 over five years — money that buys you no equity. A calculator that defaulted the fee to zero would have quoted you $8,388.
Not FHA-approved. No 3.5%-down FHA financing on this unit, so the realistic floor is a 5%-down conventional loan ($62,950). 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. We have one recorded fee on file ($630 in 2024), not enough for a trend yet. The listing shows $607/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 (0.6%/yr)
⚠️ Cons
- 24% above model fair value
- HOA $607/mo
🚩 Red flags
- Listed BELOW its 2019 sale ($1360k) → value eroding
Photos
Price history (this unit)
- Oct 9, 2026 — Listed $1,259,000
- Jun 26, 2019 — Sold (MLS) $1,360,000
- Jun 26, 2019 — Sold (Public Records) $1,360,000
- Jun 7, 2019 — Listed $1,229,000
- Oct 19, 2015 — Sold (Public Records) $1,095,000
- Oct 19, 2015 — Sold (Public Records) $1,095,000
Description
Impressive and impeccably maintained two-bedroom, two-bath flat with inviting living space, inspirational outdoor space, indulgent natural light, located on the border of two incomparable neighborhoods: Civic Center and Hayes Valley! This modern home opens to a formal entryway leading to the ideal and highly desirable open-living/dining area complimented with the perfect floor plan where the two spacious bedrooms are perfectly positioned for privacy. The heart of the home is the gourmet eat-in kitchen that overlooks the living/dining area, flanked by floor to ceiling windows with sun filled natural light and gorgeous wood floors. The first of two large bedrooms benefits from being…