77 Van Ness Ave #605
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
26% of that payment is not the mortgage. The HOA fee alone is $40,920 over five years — money that buys you no equity. A calculator that defaulted the fee to zero would have quoted you $5,571.
Not FHA-approved. No 3.5%-down FHA financing on this unit, so the realistic floor is a 5%-down conventional loan ($42,450). 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
2 recorded pointsReconstructed from 3 units of recorded sales at 77 Van Ness Ave — every recorded sale carries its HOA fee and date. No listing site shows this.
We have a few recorded HOA fees for this building but not yet enough to call a reliable trend, so these are the raw points — no rate implied. Its documents fill in the reserve health and assessment risk.
🏢 Get this building's full reserve & assessment report — free →✅ Positives
- Upper floor (fl 6)
- In-unit W/D
- Garage parking
- Low HOA (1%/yr)
⚠️ Cons
- 18% above model fair value
- HOA $682/mo
🚩 Red flags
- FLIP: bought $730k 2025, relisted +16%
Photos
Price history (this unit)
- Nov 2, 2026 — Listed $849,000
- Nov 10, 2025 — Sold (MLS) $730,000
- Nov 10, 2025 — Sold (Public Records) $730,000
- Sep 16, 2025 — Price Changed $750,000
- Sep 10, 2025 — Price Changed $775,000
- Aug 28, 2025 — Price Changed $795,000
Description
Located in the heart of vibrant and sought-after Hayes Valley, Unit 605 is a large, light-filled 1BD/1BA condo on the sixth floor of a 50-unit building. The open floor plan features wood flooring throughout the main living area, in-unit laundry, and generous closet space, including a walk-in closet. Upgraded bathroom with new bidet and sliding glass shower doors. Deeded parking. Building amenities include secure parking garage, a fitness center, concierge service, a large private storage unit, and a beautifully appointed shared rooftop deck with BBQ and seating. Enjoy unbeatable access to downtown, major freeways, acclaimed Hayes Street shopping and dining, the Performing Arts District, and…