960 Market St #708
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
33% of that payment is not the mortgage. The HOA fee alone is $41,160 over five years — money that buys you no equity. A calculator that defaulted the fee to zero would have quoted you $3,028.
Not FHA-approved. No 3.5%-down FHA financing on this unit, so the realistic floor is a 5%-down conventional loan ($22,900). 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
🚩 Rising fast · +14.8%/yrReconstructed from 36 units of recorded sales at 960 Market St — every recorded sale carries its HOA fee and date. No listing site shows this.
These dues climbed 32% in 2 years — about +14.8%/yr across 36 units of recorded sales, well above inflation. A rise this steep is a leading signal of a special assessment, a drained reserve fund, or an insurance shock. The listing never shows it; the building's documents are where the "why" lives.
🏢 Get this building's full reserve & assessment report — free →✅ Positives
- On market 52 days → some leverage
- Upper floor (fl 7)
- In-unit W/D
⚠️ Cons
- 14% above model fair value
- Small (398 sf)
- HOA $686/mo
🚩 Red flags
- HOA rising ~15%/yr in this building ($598/mo in 2024 → $788)
Photos
Price history (this unit)
- Oct 31, 2026 — Price Changed $458,000
- Oct 30, 2026 — Price Changed $463,000
- Sep 17, 2026 — Listed $458,000
Description
Luxuriously appointed junior 1BR/1BA with oversized windows with city views and sunlight that streams in to the residence. The home is a high floor and a new release. Full service building with 24 hour front desk, overnight security, fitness center, residents' lounge and breathtaking rooftop. Located in the heart of San Francisco's Mid-Market neighborhood, Serif is a new 12-story condominium complex with 242 for-sale residences. Serif also shares its space with the sumptuously hip Timbri Hilton International hotel, retail and dining experiences. Serif illustrates the revitalization of a rapidly changing section of Market Street. Featuring prime walkable access to the theater, art, retail…