280 Spear St., San Francisco, CA 94105, San Francisco, 94105 - 1 bed, 1 bath

280 Spear St., San Francisco, CA 94105 home-pic-0

280 Spear St.

San Francisco, CA 94105

ACTIVE
CONDITION: EXCELLENT
1Beds
1Baths
608Sq Ft
Lot Size

Property Price

LIST PRICE$409,181

SUMMARY

Analysis of 280 Spear St., San Francisco, CA 94105 is currently available with a list price of $409,181. The property maintains a Excellent Condition Rating (95/100), indicating excellent structural integrity and modern finishes throughout. This turnkey property requires minimal updates and is ready for immediate occupancy. Located in a high-demand neighborhood within the San Francisco Unified School District, this asset is categorized as a low-risk, high-reward acquisition suitable for both Buy-and-Hold Investors and Owner-Occupants willing to undertake light renovation work.

Condition Analysis

OVERALL CONDITION SCORE

Excellent
TeardownExcellent

Property is new construction or fully renovated.

This property was built in 2020, placing it well within the 10-year threshold for an excellent rating. As a unit in the luxury MIRA high-rise, it features modern architectural design, updated flooring, and high-end finishes. All components, including the kitchen and bathroom, are virtually new and meet the highest current quality standards with no signs of deferred maintenance.

PROSSTRENGTHS & OPPORTUNITIES

  • Great Schools

    Elementary School: Chinese Immersion School At Deavila (9/10). Middle School: Lilienthal (Claire) Elementary School (9/10). High School: Lowell High School (10/10).

  • Modern Luxury & Amenities

    Located in the iconic MIRA high-rise built in 2020, this unit provides access to premier resort-style amenities including a fitness center, BBQ terrace, residents' lounge, and 24/7 lobby attendant.

  • Rare Private Balcony

    The condo features a rare private balcony, a highly coveted outdoor feature in San Francisco luxury high-rises that significantly enhances the living space and urban appeal.

CONSRISKS & DEFICIENCIES

  • Restrictive Ownership Terms

    As a Below Market Rate (BMR) unit, the property is subject to strict MOHCD income limits, buyer eligibility requirements, and resale controls that limit future appreciation and the potential buyer pool.

  • High Monthly Carrying Costs

    The association fee of $828 per month is relatively high for a 608-square-foot 1-bedroom unit, which may impact the overall affordability for income-qualified buyers.

About 280 Spear St.

Own a modern 1-bedroom condo with a RARE private balcony in SF’s premier luxury high-rise—MIRA. Unit features updated flooring, in-unit laundry, and access to resort-style amenities incl. fitness center, BBQ terrace, residents’ lounge, and 24/7 lobby attendant—all steps from East Cut Crossing, one block to the Embarcadero, and minutes to BART. 1-bedroom Below Market Rate (BMR) housing opportunity available at 100% Area Median Income (AMI). Maximum income for 1 person = $109,100; 2 people = $124,700; 3 = $140,250; 4 = $155,850; 5 = $168,300. Must be 1st-time homebuyer and income eligible. Unit available through the Mayor's Office of Housing and Community Development (MOHCD) & subject to resale controls, monitoring and other restrictions. Take advantage of TEMPORARILY RELAXED buyer eligibility: up to 120% AMI, no need to be 1st time homebuyer, exclusion of income from assets, flexibility for homebuyer education, reduced financing requirements! Unit will be listed on DAHLIA, the SF Housing Portal, starting on the application date, February 13, 2026. Visit https://housing.sfgov.org for application & program info. Application, loan pre-approval, and homebuyer education verification due 3/6 by 5 PM. OPEN HOUSE: 2/21 & 2/22 from 2-4 PM, 2/23 from 5-7 PM. Fair housing opportunity.

Property Details

Public Facts

Property Type
Condominium
Year Built
2020
Lot Size
-

Interior

Total Bedrooms
1
Total Bathrooms
1 (1 Full, 0 Half)

Exterior & Parking

No exterior & parking available.

Utilities & Misc

HOA Fee
$828 / Month

Neighborhood Insights

San Francisco Unified Schools

Chinese Education Center

Grades K-5 • 0.8 mi

/10

Chin (John Yehall) Elementary School

Grades K-5 • 0.8 mi

9/10

Daniel Webster Elementary School

Grades K-5 • 2.1 mi

5/10

Sensitive Facilities

No sensitive facilities data found.

Neighborhood Comparison

FeatureSubjectAverage HomeNeighborhood Ranking (50 Listings)
Beds1.02.0
47%
Baths1.02.0
43%
Square foot6081,134
2%
Lot Size-30,527.05
22%
Price$409.2K$1.19M
4%
Price per sq ft$673$1.1K
8%
Built year20202008
92%
HOA$828$1.4K
10%
Days on market22210
1%

Pricing History

Listed for Sale

Feb 13, 2026

$409,181

Initial Listing

Sold

Sep 22, 2020

$338,000

Public Record

Browse Properties by State Browse housing market trends by state