964 Potrero Ave
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
21% of that payment is not the mortgage. The HOA fee alone is $10,500 over five years — money that buys you no equity. A calculator that defaulted the fee to zero would have quoted you $3,924.
Not FHA-approved. No 3.5%-down FHA financing on this unit, so the realistic floor is a 5%-down conventional loan ($29,250). 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 ($175 in 2026), not enough for a trend yet. The listing shows $175/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
- 18% below model fair value
- 33% below its 2004 peak
- On market 66 days → some leverage
- In-unit W/D
⚠️ Cons
- Older building (1906)
🚩 Red flags
- Listed BELOW its 2015 sale ($690k) → value eroding
Photos
Price history (this unit)
- Sep 10, 2026 — Price Changed $648,000
- Aug 6, 2026 — Listed $698,000
- Nov 12, 2015 — Sold (MLS) $690,000
- Nov 12, 2015 — Sold (Public Records) $690,000
- Sep 15, 2015 — Listed $650,000
- Dec 4, 2012 — Sold (MLS) $469,000
Description
Nestled in the heart of San Francisco's vibrant Mission neighborhood, this beautifully appointed one-bedroom, one-bathroom condo offers the perfect blend of modern comfort, thoughtful design, and urban convenience. Soaring high ceilings and an open-concept floor plan create a bright, airy living space that feels both spacious and inviting, while large windows fill the home with natural light. The stylish kitchen is designed for both everyday living and entertaining, featuring a premium Viking range, ample cabinetry, and a seamless flow into the dining and living areas. Thoughtfully designed closet organizers maximize storage throughout the home, providing exceptional functionality without…