964 Guerrero St
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
17% of that payment is not the mortgage. The HOA fee alone is $60 over five years — money that buys you no equity. A calculator that defaulted the fee to zero would have quoted you $6,520.
Not FHA-approved. No 3.5%-down FHA financing on this unit, so the realistic floor is a 5%-down conventional loan ($49,750). 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 ($1 in 2026), not enough for a trend yet. The listing shows $1/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
- Garage parking
⚠️ Cons
- Older building (1885)
🚩 Red flags
Photos
Price history (this unit)
- Nov 6, 2026 — Listed $995,000
Description
Spectacular and stately semi-detached Victorian building showcasing a scarcely found offering of three delightfully updated condominiums delivered vacant and on the border of three highly desirable neighborhoods: Noe Valley, Eureka Valley-Castro, and Mission Dolores. The impressive and inviting faade confidently exudes San Francisco style, occupies an oversized lot, and is on the market for the first time in approximately 50 years. The flat opens to a formal living room with fireplace with high ceilings and bay windows facing east with classic period details. There are two bedrooms, a bathroom, formal dining room with a large window overlooking the courtyard, an updated kitchen, in-unit…