1401 Cottage St Unit B
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
Not FHA-approved. No 3.5%-down FHA financing on this unit, so the realistic floor is a 5%-down conventional loan ($24,750). 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 2026-11-05 — 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 1401 Cottage 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
- Undervalued once condition & history are priced in
⚠️ Cons
- Older building (1970)
🚩 Red flags
- HOA rising ~11%/yr in this building ($390/mo in 2024 → $480)
Photos
Price history (this unit)
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Description
Large 2 bed, 2 bath condo with its own direct entrance and level-in entry! Laminate wood style flooring throughout, stone kitchen counters with ample cabinetry and newer appliances. Large baths and well sized bedrooms. Sliding glass door off the living room leads to private patio. Dedicated carport, wired for an electric car charger! All in a fabulous, central Alameda location!