8137-8139 Geary Blvd
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
Not FHA-approved. No 3.5%-down FHA financing on this unit, so the realistic floor is a 5%-down conventional loan ($111,250). 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. Upload its HOA docs and we'll build the full reserve & special-assessment report — free.
🏢 Get this building's free HOA report →✅ Positives
- Garage parking
⚠️ Cons
- Older building (1948)
🚩 Red flags
Photos
Price history (this unit)
- Oct 8, 2026 — Listed $1,150,000
- Oct 8, 2026 — Listed $2,225,000
- May 14, 2021 — Sold (Public Records) $1,718,000
Description
2 Homes, 1 Coastline, Endless Green Space! Own a vacant duplex in one of San Francisco's greenest pockets, ringed by Sutro Heights Park, Lands End, Ocean Beach, and Golden Gate Park. It's hard to find more parkland and shoreline anywhere else in the city! Offering 2,600 sqft (per tax records), this 1948 building is a rare chance to live in 1 unit and lease the other, or hold both as a premier coastal investment. The 2 stacked, open-concept 2BD/1BA flats each feature oak hardwood floors, central heat, a decorative fireplace, and open living concepts with picturesque outlooks. Outside, the shared patio's hot tub is perfect for a soak after a coastal hike. You'll also find 2 side-by-side…