795 Sutter St #102
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
32% of that payment is not the mortgage. The HOA fee alone is $74,580 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
We haven't reconstructed a multi-year fee history for this building yet. We have one recorded fee on file ($1,761 in 2026), not enough for a trend yet. The listing shows $1,243/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
- 23% below model fair value
⚠️ Cons
- HOA $1243/mo
- Older building (1913)
- Ground floor
🚩 Red flags
- Very high HOA $1243/mo (full-service high-rise)
Photos
Price history (this unit)
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Description
Parisian Elegance Meets San Francisco's Dynamic urban lifestyle. Discover timeless sophistication at the historic Belgravia, a distinguished Beaux-Arts residence ideally situated near SF's thriving AI and tech corridor. Blending classic European architecture with the energy of modern city living, this elegant condo offers a rare combination of architectural character, gracious proportions, and exceptional convenience. Quietly tucked away on the first floor, this inviting residence feels like a peaceful retreat from the city. A beautifully proportioned formal living room makes a striking first impression with magnificent Palladian-style windows, rich hardwood floors, and exquisite original…