879 Indiana St #105
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
22% of that payment is not the mortgage. The HOA fee alone is $38,160 over five years — money that buys you no equity. A calculator that defaulted the fee to zero would have quoted you $10,129.
Not FHA-approved. No 3.5%-down FHA financing on this unit, so the realistic floor is a 5%-down conventional loan ($77,500). 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 2026-11-05 — 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 ($636 in 2026), not enough for a trend yet. The listing shows $636/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
- Garage parking
- Low HOA (0.5%/yr)
- Newer build (2009)
⚠️ Cons
- 35% above model fair value
- HOA $636/mo
- Ground floor
🚩 Red flags
Photos
Price history (this unit)
- Oct 15, 2026 — Listed $1,550,000
- Oct 14, 2026 — Listed $1,550,000
- Oct 22, 2014 — Sold (Public Records) $1,025,000
Description
Discover sophisticated loft living at The Homes on Esprit Park in San Francisco's vibrant Dogpatch neighborhood. Rarely available, this spacious 1BR/2BA condominium with versatile bonus room offers approximately 1,099 sq. ft. of thoughtfully designed living space, blending historic architectural character with contemporary living. The inviting open-concept interior features woven bamboo flooring, energy-efficient radiant floor heating, custom window treatments, track lighting, Elfa closet systems, and in-unit laundry. The gourmet kitchen showcases premium stainless steel appliances. A private backyard patio provides a peaceful outdoor retreat. Originally home to the Esprit de Corps…