453 Sentinel Dr
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
22% of that payment is not the mortgage. The HOA fee alone is $21,480 over five years — money that buys you no equity. A calculator that defaulted the fee to zero would have quoted you $5,606.
Not FHA-approved. No 3.5%-down FHA financing on this unit, so the realistic floor is a 5%-down conventional loan ($41,950). 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. The listing shows $358/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 58 days → some leverage
- In-unit W/D
- Garage parking
- Low HOA (0.5%/yr)
⚠️ Cons
- 61% above model fair value
- Photos look dim — verify light in person
🚩 Red flags
Photos
Price history (this unit)
- Aug 14, 2026 — Listed $839,000
Description
UNICORN UNIT with a 5.3% assumable mortgage! Exceedingly rare opportunity to own what may be the most desirable residence on the waterfront at Bay 37 - a north-facing, front-row 2yr old corner unit with unobstructed panoramic views of the Oakland Estuary and SF skyline in one of the community’s quietest locations. This stunning 3-level modern home offers the ultimate in waterfront living. The entry level opens directly onto the waterfront promenade and includes a 1-car garage and guest bath. The main level features a gourmet kitchen with premium appliances, dining area, and open-concept great room flowing to a private waterfront balcony - perfect for entertaining while enjoying the water…