873 Union St
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 ($147,500). 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
- On market 48 days → some leverage
⚠️ Cons
- 56% above model fair value
- Photos look dim — verify light in person
🚩 Red flags
- Only 1 photo — verify condition
Photos
Price history (this unit)
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Description
873 Union Street is a fully reimagined Edwardian residence in Russian Hill, blending classic San Francisco architecture with modern design. Rebuilt from the studs, the home offers the scale and livability of a single-family residence within an intimate three-unit building. Spanning approximately 2,090 square feet across two levels, this four-bedroom, three-bathroom home is thoughtfully designed for both everyday living and entertaining. The main level is anchored by an expansive open kitchen featuring custom cabinetry, a Bertazzoni appliance suite, and wide-plank oak flooring, flowing naturally into the living and dining areas. The upper level includes a well-appointed primary suite with an…