875 La Playa St #271
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
30% of that payment is not the mortgage. The HOA fee alone is $76,440 over five years — money that buys you no equity. A calculator that defaulted the fee to zero would have quoted you $6,666.
Not FHA-approved. No 3.5%-down FHA financing on this unit, so the realistic floor is a 5%-down conventional loan ($49,950). 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. We have one recorded fee on file ($1,274 in 2026), not enough for a trend yet. The listing shows $1,274/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
- In-unit W/D
⚠️ Cons
- HOA $1274/mo
🚩 Red flags
- Very high HOA $1274/mo (full-service high-rise)
Photos
Price history (this unit)
- Sep 11, 2026 — Listed $999,000
- Mar 17, 2022 — Sold (MLS) $990,000
- Mar 17, 2022 — Sold (Public Records) $990,000
- Feb 3, 2022 — Listed $975,000
- Jul 13, 2018 — Sold (MLS) $880,000
- Jul 13, 2018 — Sold (Public Records) $880,000
Description
Situated at the western edge of the Outer Richmond, 875 La Playa Street #271 is a remodeled 2-bedroom, 2-bath condominium where Golden Gate Park meets the Pacific. Enjoy unobstructed views of the Pacific, the historic Dutch Windmill, and mature trees in Golden Gate Park from every window. This retreat boasts 1,084 sq. ft. of upgraded living space with new electrical and hardwood flooring throughout. The open-concept living area is anchored by a corner fireplace with a warm wood mantle. The fully renovated kitchen overlooks the space with built-in bench with storage, stone countertops, striking open shelving and cabinetry, and premium stainless steel appliances including Thor range and…