990 Duncan St Unit 204G
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
29% of that payment is not the mortgage. The HOA fee alone is $63,060 over five years — money that buys you no equity. A calculator that defaulted the fee to zero would have quoted you $6,335.
Not FHA-approved. No 3.5%-down FHA financing on this unit, so the realistic floor is a 5%-down conventional loan ($47,450). 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
2 recorded pointsReconstructed from 3 units of recorded sales at 990 Duncan 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
- Garage parking
- Low HOA (1.3%/yr)
⚠️ Cons
- HOA $1051/mo
- Older building (1972)
🚩 Red flags
- Very high HOA $1051/mo (full-service high-rise)
- Listed BELOW its 2021 sale ($990k) → value eroding
Photos
Price history (this unit)
- Sep 17, 2026 — Listed $949,000
- Feb 26, 2021 — Sold (MLS) $990,000
- Feb 26, 2021 — Sold (Public Records) $990,000
- Oct 27, 2020 — Listed $998,000
- Mar 10, 2017 — Listed $836,000
- Mar 10, 2017 — Sold (MLS) $836,000
Description
Welcome to 990 Duncan a sun-filled retreat in one of San Francisco's sweetest communities. This beautifully appointed two-bedroom, two-bath condo features two generous primary suites, an updated kitchen, and sweeping southern views of the city's rolling hills. Natural light pours in throughout the day, creating a warm, inviting atmosphere from morning to evening. A dedicated parking spot in a secure garage is included. Residents of Diamond Heights Village enjoy an exceptional array of resort-style amenities, including a sparkling pool, jacuzzi, sauna, fitness center, and spacious club room. Diamond Heights Village is steps away from two children's playgrounds, dog parks, and Glen Canyon…