52Fair price

475 Diller St

ZIP 94501, Alameda, CA · 94501

$950,000 ~at market (-2%)

3 bd · 3.5 ba · 1,784 sqft · $533/sf

HOA $429/mo · 🏢 fee history ↓ · 10 days on market · built 2016

View on Redfin ↗🏢 This building's HOA ↓

⚖️ Adjusted valueFairly pricedasking is 2% under fair value

Model fair value · 8 sold comps · ±10%$973,774

vs model fair value · size · beds/baths · age · HOA · location−2%

Condition · Avg / verify in person0

Price history · limited sale history0

📐 How this Deal Score was built52Fair price

Value gap · asking vs model fair value, after condition & price history+2.4

HOA burden · $429/mo = 0.54%/yr of price vs a 1.33% norm — at or below normal, no charge0

Days on market · 10 days — not long enough to give you leverage0

Raw advantage · the three above, combined+2.4

Model confidence · moderate — ±10% typical model error across 8 sold comps. The less certain the model, the harder the gap is pulled back toward neutral×0.8

Deal Score52/100

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

$6,770/mo all-in

20% down at 7.4% (this week's 30-year average) · mortgage + tax + insurance + HOA

Mortgage principal & interest$5,262

Property tax (1.30% effective)$1,029

Insurance (estimate)$50

HOA dues$429

Total monthly$6,770

Rough cash to close$213,750

22% of that payment is not the mortgage. The HOA fee alone is $25,740 over five years — money that buys you no equity. A calculator that defaulted the fee to zero would have quoted you $6,341.

Adjust the down payment & rate →Compare your Loan Estimates →

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 ($429 in 2026), not enough for a trend yet. The listing shows $429/mo today. Upload its HOA docs and we'll build the full reserve & special-assessment report — free.

🏢 Get this building's free HOA report →