988 Harrison St Unit WC4
💵What this unit actually costs per month
28% of that payment is not the mortgage. The HOA fee alone is $39,300 over five years — money that buys you no equity. A calculator that defaulted the fee to zero would have quoted you $4,433.
Not FHA-approved. No 3.5%-down FHA financing on this unit, so the realistic floor is a 5%-down conventional loan ($33,700). 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
2 recorded pointsReconstructed from 29 units of recorded sales at 988 Harrison St — every recorded sale carries its HOA fee and date. No listing site shows this.
We have a few recorded HOA fees for this building but not yet enough to call a reliable trend, so these are the raw points — no rate implied. Its documents fill in the reserve health and assessment risk.
🏢 Get this building's full reserve & assessment report — free →✅ Positives
- In-unit W/D
- Low HOA (1.2%/yr)
- Newer build (2025)
⚠️ Cons
- HOA $655/mo
- Photos look dim — verify light in person
🚩 Red flags
Photos
Price history (this unit)
- Oct 28, 2026 — Listed $674,000
Description
Light-filled one-bedroom with sweeping views toward Twin Peaks and Sutro Tower, framed by treetops and skyline. One dedicated parking space included. Expansive windows create a layered outlook blending nature and city. The open-concept layout features quartz countertops, white oak flooring, and a streamlined kitchen with a gas range and integrated Bosch dishwasher. Central air conditioning and heating ensure year-round comfort. Residents enjoy an attended lobby and a rooftop terrace with panoramic city views, seating areas, outdoor grills, and a dedicated dog relief area. Secure bicycle storage and smart entry via the Latch system complete this thoughtfully designed home.