788 Minna Street #4B, San Francisco, CA 94103 — AI property analysis example
2 bed · 2 bath · 1,140 sqft · Built 2008 · $1,395,000
Nestlyze composite score: 54/100 · Verdict: Proceed with Caution.
Executive summary
788 Minna #4B is a 2008 two-bedroom condo in a 24-story concrete-and-steel tower in San Francisco's SoMa/Yerba Buena corridor, listed at $1.395M. The unit itself is sound: post-Northridge moment-frame design, HOA reserves at 78% funded (above the 70% CAI benchmark), and walking distance to Salesforce Park, Powell BART, and the Embarcadero. The fundamental problem is the macro: SoMa condos are down 18-24% from 2019 peaks, with current $/sqft of $1,224 trailing the citywide condo median of $1,085 only because of the building's amenity package. USGS deaggregation for 94103 puts the Hayward Fault at 14 mi as the dominant seismic contributor with a PGA of 0.62g. HOA fee is $1,180/mo with a $42K pending special assessment for podium-level waterproofing. SFUSD assignment is lottery-based, so no school polygon advantage.
Recommendation
Proceed with Caution — only with a bindable earthquake policy (CEA or admitted carrier), confirmed HOA assessment allocation in writing, and a 7+ year hold horizon to absorb the SoMa price correction. Best suited for a single buyer or DINK couple working downtown.
Key strengths
2008 concrete moment-frame tower — post-Northridge code, no structural damage in 2014 South Napa quake.
HOA reserves 78% funded — above CAI's 70% benchmark; building is well-capitalized.
Priced 7% under 94103 condo median at $1,224/sqft.
4-min walk to Powell BART, 6-min to Salesforce Park — irreplaceable transit access.
Key concerns
Critical. $42K pending special assessment (podium waterproofing) — allocation must be in offer contract.
Critical. Hayward Fault deaggregation PGA 0.62g — CEA earthquake policy mandatory, not optional.
Warning. SoMa condos down 18-24% from 2019 peak — confirm 7+ year hold to absorb correction.
Warning. SFUSD lottery assignment — address gives zero school priority. Wrong purchase if schools matter.
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