1808 Main St
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
27% of that payment is not the mortgage. The HOA fee alone is $21,900 over five years — money that buys you no equity. A calculator that defaulted the fee to zero would have quoted you $3,023.
Not FHA-approved. No 3.5%-down FHA financing on this unit, so the realistic floor is a 5%-down conventional loan ($22,450). 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 2026-10-08 — 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
We haven't reconstructed a multi-year fee history for this building yet. We have one recorded fee on file ($365 in 2026), not enough for a trend yet. The listing shows $365/mo today. Upload its HOA docs and we'll build the full reserve & special-assessment report — free.
🏢 Get this building's free HOA report →✅ Positives
- On market 204 days → strong negotiating leverage
- In-unit W/D
- Low HOA (1%/yr)
⚠️ Cons
- 44% above model fair value
- Small (587 sf)
- Older building (1940)
🚩 Red flags
- Co-op / TIC, not a condo — you buy shares or a fractional interest, not the unit itself. Financing is harder and dearer, a board can vet or refuse you, resale may be price-capped, and the buyer pool is thin. Every comp behind the numbers below is a condominium, so treat the gap as an ownership-form discount until you have read the share loan terms and the bylaws.
- Still cutting price ($475k→$460k→$449k)
- Listed BELOW its 2021 sale ($537k) → value eroding
Photos
Price history (this unit)
- May 7, 2026 — Price Changed $449,000
- Mar 3, 2026 — Price Changed $460,000
- Feb 2, 2026 — Listed $475,000
- May 26, 2021 — Sold (MLS) $537,000
- Mar 27, 2021 — Listed $430,000
- Jan 12, 2018 — Sold (MLS) $375,000
Description
This is a stunning west end unit in the Woodstock-Homes Co-op neighborhood. This is a historic area of Alameda, and these units have always been sought after. These units offer a home like feel rather than a cold condo like atmosphere with very large, lush backyard perfect for entertaining or enjoying the wonderful weather this area has to offer. This 1 bed 1 bath home has a nice family room with beautiful flooring, wonderful eat in kitchen overlooking to nice yard. The bathroom is also updated, and the entire unit was just freshly painted. Newer roof, newer flooring, gas stove, country sink, newer fencing around the yard. The HOA monthly fees cover exterior painting and roof maintenance…