1314 4th 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
29% of that payment is not the mortgage. The HOA fee alone is $22,080 over five years — money that buys you no equity. A calculator that defaulted the fee to zero would have quoted you $2,724.
Not FHA-approved. No 3.5%-down FHA financing on this unit, so the realistic floor is a 5%-down conventional loan ($21,495). 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 2026-08-20 — 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 ($368 in 2026), not enough for a trend yet. The listing shows $368/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
- Best $/sf of 9 tracked in Berkeley
- 40% below model fair value
- Low HOA (1%/yr)
⚠️ Cons
- Older building (1910)
🚩 Red flags
- Only 2 photos — verify condition
Photos
Price history (this unit)
- Aug 6, 2026 — Listed $429,900
- Mar 10, 1999 — Sold (Public Records) $75,000
- Mar 10, 1999 — Sold (Public Records) $75,000
Description
Great opportunity, at a great value, a spacious mixed-use condo, Full kitchen upstairs with loft and 1 full bathroom. Designated parking, near shopping, businesses and hwy, Close proximity to Berkeley Marina & UC Berkeley, minutes away from SF and Oakland, come take a look today!, Great location with plenty of foot traffic and close to Hwy, restaurants and shops, Come take a look to look at the possibilities! Easy access to I-80, Near Whole Foods, REI, restaurants, the Fourth Street shopping district. Come take a look today!