2065 Barnes Wharf Ln
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
21% of that payment is not the mortgage. The HOA fee alone is $23,940 over five years — money that buys you no equity. A calculator that defaulted the fee to zero would have quoted you $7,665.
Not FHA-approved. No 3.5%-down FHA financing on this unit, so the realistic floor is a 5%-down conventional loan ($57,495). 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 ($399 in 2026), not enough for a trend yet. The listing shows $399/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
- In-unit W/D
- Garage parking
- Low HOA (0.4%/yr)
- Newer build (2025)
⚠️ Cons
- Photos look dim — verify light in person
🚩 Red flags
Photos
Price history (this unit)
- Oct 2, 2026 — Listed $1,149,900
Description
With 98 upgraded townhomes and sweeping views of the marina, a new notion of home awaits at Island View at Alameda Marina. Seven unique floor plans ranging from approximately 1,462 to 2,389 square feet offer you the space to unwind, to work from home or to entertain with ease. Select homes include rooftop decks—ideal for those summer days of leisure or even a quick, scenic coffee break