875 Vermont St #300
This unit is asking far less than comparable sales — so much less that the gap is more likely something we cannot see from the listing than equity you would own: a deed restriction, a TIC or shared-ownership form, a leasehold, or a unit that is not really comparable to the homes it was measured against. A discount that large is usually a reason, not a bargain. We would rather tell you we cannot verify it than sell you a number.
💵What this unit actually costs per month
41% of that payment is not the mortgage. The HOA fee alone is $180,000 over five years — money that buys you no equity. A calculator that defaulted the fee to zero would have quoted you $7,235.
Not FHA-approved. No 3.5%-down FHA financing on this unit, so the realistic floor is a 5%-down conventional loan ($54,250). 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. We have one recorded fee on file ($663 in 2026), not enough for a trend yet. The listing shows $3,000/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
- 50% below model fair value
- Upper floor (fl 3)
- In-unit W/D
- Garage parking
⚠️ Cons
- HOA $3000/mo
- Older building (1965)
🚩 Red flags
- Very high HOA $3000/mo (full-service high-rise)
Photos
Price history (this unit)
- Oct 2, 2026 — Listed $1,085,000
- Dec 1, 1994 — Sold (MLS) $255,000
- Apr 25, 1994 — Listed $265,950
Description
Occupying the entire top floor, Residence #300 is an expansive 2,463 sq ft mid-century penthouse offering rare scale, light, and total privacy. Featuring 3 bedrooms and 2.5 bathrooms, the generous layout is designed for effortless entertaining. Sweeping views of Sutro Tower, the Mission, and Noe Valley fill the living room, while the kitchen captures a charming peek of the downtown skyline. Outdoor spaces include partial wraparound balconies and a central internal atrium patioa private retreat in the core of the home. Located atop Potrero Hill on the curviest section of Vermont Street (SF's true curviest street!), steps from McKinley Square Park, dining, Caltrain, Muni, and tech shuttles.…