1 Federal Street 20, San Francisco, CA 94107, San Francisco, 94107 - 0 bed, 1 bath
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1 Federal Street 20
San Francisco, CA 94107
ACTIVE
CONDITION: FAIR
0Beds
1Baths
896Sq Ft
22,442Lot Size
Property Price
LIST PRICE$327,659
EST. MARKET VALUE
$327,659
SUMMARY
This Below Market Rate (BMR) Condominium represents a Strong Value Opportunity, listed at a List Price of $327,659—positioned well below the $327,659 Fair Market Value. While the unit is in Fair Condition Rating, it offers 896 square feet of living space, including a gas fireplace and in-unit washer/dryer. The building provides premium amenities like a 24-hour doorperson and gym. This property is an ideal acquisition for income-eligible first-time buyers or owner-occupants seeking a stable, long-term residence in a prime San Francisco location.
Estimated Market Value
$327,659
Based on Realkey algorithm analyzing recent comparable sales in San Francisco.
Comparable Sales Map
Comparables within 1 miles sold in recently
Map unavailable.
| Address | Sold Price | Beds | Baths | Sq Ft | $/Sqft | Distance |
|---|---|---|---|---|---|---|
★ 1 Federal Street 20 Subject | $327,659* List Price | 0 | 1 | 896 | $366 | - |
A 260 King Street 537 Sold | $331,621 | 1 | 1 | 820 | $404 | 0.5 mi |
* Subject property listed price vs sold prices of comps.
Condition Analysis
See Full ReportOVERALL CONDITION SCORE
Fair
TeardownExcellent
Property is moderate renovation needed.
Built in 2003, the property is 23 years old and appears to have original finishes. The kitchen features dated tile countertops and black appliances, and the bathroom is basic. While functional and move-in ready, it meets the 'Fair' criteria due to age and the need for cosmetic updates.
PROSSTRENGTHS & OPPORTUNITIES
- Exceptional Value and Affordability
Priced at $327,659, this property offers a rare opportunity to own a home in a prime San Francisco location at a fraction of the typical market rate through the BMR program.
- Spacious and Modern Interior
With 896 square feet, this studio is significantly larger than average, featuring high ceilings, a gas fireplace, and the convenience of an in-unit washer and dryer.
- Full-Service Building Amenities
The property includes luxury-level building services such as a 24-hour doorperson and a dedicated fitness center, providing enhanced security and lifestyle convenience.
CONSRISKS & DEFICIENCIES
- Strict Eligibility and Resale Controls
The unit is subject to rigorous MOHCD requirements, including income caps and resale price restrictions, which limits the pool of potential buyers and future appreciation potential.
- High Monthly Carrying Costs
The $969 monthly association fee is substantial, particularly for a studio, which may impact the overall affordability and debt-to-income ratio for qualified applicants.
About 1 Federal Street 20
Incredibly unique spacious studio! High ceilings, in unit W/D, gas fireplace, large closets, and good natural ight make this a very special home. Building amenities include gym and 24 hour doorperson.TEMPORARY WAIVERS apply to this unit: must not exceed 120% of the area median income, can have asset test excluded, can complete the Homebuyer education after applying, can make a down payment more than 50% of the sales price. Below Market Rate (BMR) housing opportunity available at 100% Area Median Income (AMI). Maximum income for 1 person = $113,450; 2 = $129,700; 3 = $145,900 5 = $175,050, etc. Must be 1st-time homebuyer & income eligible. Unit available thru the Mayor's Office of Housing and Community Development (MOHCD) & subject to resale controls, monitoring & other restrictions. Unit will be listed on DAHLIA, the SF Housing Portal (https://housing.sfgov.org) starting on the application date, 8-13-2026. Visit https://housing.sfgov.org for application & program info. Application, loan pre-approval, and homebuyer education verification due on 9-3-2026 at 5:00 PM. Fair Housing Opportunity.
Property Details
Public Facts
- Property Type
- Condominium
- Year Built
- 2003
- Lot Size
- 22,442 Sq. Ft.
Interior
- Total Bedrooms
- 0
- Total Bathrooms
- 1 (1 Full, 0 Half)
Exterior & Parking
No exterior & parking available.
Utilities & Misc
- HOA Fee
- $969 / Month
Neighborhood Insights
Sensitive Facilities
No sensitive facilities data found.
Neighborhood Comparison
| Feature | Subject | Average Home |
|---|---|---|
| Beds | 0.0 | 2.0 |
| Baths | 1.0 | 2.0 |
| Square foot | 896 | 1,093.715 |
| Lot Size | 22,442 | 10,543.457 |
| Price | $327.7K | $1.21M |
| Price per sq ft | $366 | $1.1K |
| Built year | 2003 | 1989 |
| HOA | $969 | $832 |
| Days on market | 84 | 69 |
Pricing History
Listed for Sale
Jun 17, 2026
$327,659
Initial Listing
Sold
Jan 30, 2009
$161,500
Public Record
Sold
Nov 25, 2003
$158,000
Public Record