829 Folsom St #408
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
41% of that payment is not the mortgage. The HOA fee alone is $72,420 over five years — money that buys you no equity. A calculator that defaulted the fee to zero would have quoted you $2,997.
Not FHA-approved. No 3.5%-down FHA financing on this unit, so the realistic floor is a 5%-down conventional loan ($22,250). 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
2 recorded pointsReconstructed from 4 units of recorded sales at 829 Folsom St — 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
- 19% below model fair value
- Upper floor (fl 4)
- In-unit W/D
- Newer build (2010)
⚠️ Cons
- Small (486 sf)
- HOA $1207/mo
🚩 Red flags
- Very high HOA $1207/mo (full-service high-rise)
Photos
Price history (this unit)
- Sep 25, 2026 — Listed $445,000
- Jun 5, 2026 — Rental Removed $2,860
- Jun 4, 2026 — Listed for Rent $2,860
- Jul 2, 2025 — Rental Removed $2,132
- Jun 19, 2025 — Listed for Rent $2,132
- Aug 20, 2023 — Rental Removed $2,070
Description
Own your piece of San Francisco. Residence #408 at the Museum Plaza Association places the best of city living at your doorstep. Own a stylish urban retreat in the heart of Yerba Buena, surrounded by world class dining, culture, entertainment, parks and some of San Francisco's most iconic destinations. Thoughtfully designed for effortless living, this junior studio features floor-to-ceiling windows, sandalwood hardwood floors, recessed lighting, stainless steel appliances, spa like bath with soaking tub and an in-unit washer and dryer. Clean lines and natural light create a polished, modern space that feels comfortable, distinctly urban and uniquely yours. Beyond the residence, enjoy the…