950 Tennessee St #402
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
26% of that payment is not the mortgage. The HOA fee alone is $48,420 over five years — money that buys you no equity. A calculator that defaulted the fee to zero would have quoted you $7,171.
Not FHA-approved. No 3.5%-down FHA financing on this unit, so the realistic floor is a 5%-down conventional loan ($54,750). 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 ($932 in 2026), not enough for a trend yet. The listing shows $807/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
- Upper floor (fl 4)
- Low HOA (0.9%/yr)
- Newer build (2020)
⚠️ Cons
- 15% above model fair value
- HOA $807/mo
🚩 Red flags
Photos
Price history (this unit)
- Nov 5, 2026 — Listed $1,095,000
- Jan 26, 2025 — Rental Removed $4,300
- Jan 15, 2025 — Price Changed $4,300
- Jan 9, 2025 — Price Changed $4,450
- Dec 11, 2024 — Listed for Rent $4,600
Description
Introducing the final release of units at 950 Tennessee Street. Recently constructed in 2020, 950 Tennessee represents an opportunity to own in one of the most exciting neighborhoods in San Francisco: the Dogpatch. For the city dweller looking for a peaceful home with modern amenities, Unit #402 is a modern 1 Bed + Den, 1 Bath condo on the top floor of the building overlooking the building's center courtyard. Danish-inspired interiors invoke a sense of warmth with clean lines, quality materials, and beautiful fixtures throughout, including Domus & Domus cabinetry, Caesarstone counters, and Bosch and Bertazzoni appliances. Completing this home are wide-plank oak flooring, in-unit washer and…