832 Sutter Street 304, San Francisco, CA 94109, San Francisco, 94109 - 1 bed, 1 bath
832 Sutter Street 304
San Francisco, CA 94109
Property Price
SUMMARY
Analysis of 832 Sutter Street 304, San Francisco, CA 94109 is currently available with a list price of $401,785. 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
Property is new construction or fully renovated.
Built in 2016, this property meets the criteria for excellent condition as it is within the 10-year age threshold. The listing highlights modern construction with contemporary architecture and updated systems, indicating that the kitchen, bathrooms, and major mechanical components are virtually new with no deferred maintenance.
PROSSTRENGTHS & OPPORTUNITIES
- Exceptional Affordability
As a Below Market Rate (BMR) unit priced at $401,785, this property offers a rare and highly accessible entry point into the San Francisco real estate market for qualified buyers.
- Modern Construction
Built in 2016, the building features contemporary architecture and updated systems, ensuring better energy efficiency and lower immediate maintenance needs compared to older city stock.
- Prime Urban Location
Located in the 94109 zip code, the property boasts a high walk score with close proximity to Union Square, public transit, and the diverse dining and cultural amenities of Lower Nob Hill.
CONSRISKS & DEFICIENCIES
- Strict Resale Controls
The unit is subject to MOHCD resale restrictions and profit caps, which significantly limits the potential for long-term capital appreciation and investment returns.
- Complex Eligibility Requirements
The purchase is restricted to first-time homebuyers meeting specific income limits (100% AMI), involving a rigorous application process and narrowing the pool of potential future buyers.
About 832 Sutter Street 304
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 people = $140,250, 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 &a other restrictions. Unit will be listed on DAHLIA, the SF Housing Portal (https://housing.sfgov.org) starting on the application date, February 17, 2026. Visit https://housing.sfgov.org for application & program info. Application, loan pre-approval, and homebuyer education verification due on March 10, 2026 at 5:00 PM. Broker Tour: Tuesday 2/24/26 9-11 AM, Open Houses: Sunday 2/22/26 2-4 PM, Thursday 2/26/26 5-7 PM, Saturday 2/28/26 2-4 PM, Sunday 3/8/26 2-4 PM.
Property Details
Public Facts
- Property Type
- Condominium
- Year Built
- 2016
- Lot Size
- 4,553 Sq. Ft.
Interior
- Total Bedrooms
- 1
- Total Bathrooms
- 1 (1 Full, 0 Half)
Exterior & Parking
No exterior & parking available.
Utilities & Misc
- HOA Fee
- $696 / Month
Neighborhood Insights
Sensitive Facilities
No sensitive facilities data found.
Neighborhood Comparison
| Feature | Subject | Average Home | Neighborhood Ranking (50 Listings) |
|---|---|---|---|
| Beds | 1.0 | 2.0 | 43% |
| Baths | 1.0 | 2.0 | 46% |
| Square foot | 713 | 977.5 | 26% |
| Lot Size | 4,553 | 9,783.96 | 30% |
| Price | $401.8K | $1.05M | 9% |
| Price per sq ft | $564 | $894 | 14% |
| Built year | 2016 | 1966 | 87% |
| HOA | $696 | $881 | 25% |
| Days on market | 79 | 201 | 8% |
Pricing History
Listed for Sale
Dec 18, 2025
$401,785
Initial Listing
Sold
Mar 1, 2023
$354,000
Public Record