1409 Oxford St #5
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
26% of that payment is not the mortgage. The HOA fee alone is $31,200 over five years — money that buys you no equity. A calculator that defaulted the fee to zero would have quoted you $4,520.
Not FHA-approved. No 3.5%-down FHA financing on this unit, so the realistic floor is a 5%-down conventional loan ($33,750). 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 ($520 in 2026), not enough for a trend yet. The listing shows $520/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
- 14% below model fair value
- On market 115 days → strong negotiating leverage
- Garage parking
- Low HOA (0.9%/yr)
⚠️ Cons
- Older building (1962)
- Ground floor
- Only 1 bath
🚩 Red flags
Photos
Price history (this unit)
- Jul 23, 2026 — Price Changed $725,000
- Jul 23, 2026 — Price Changed $725,000
- Jun 18, 2026 — Listed $798,000
- Jun 18, 2026 — Listed $798,000
- Feb 14, 1978 — Sold (Public Records) $58,000
Description
Tucked into Berkeleys beloved North Berkeley neighborhood, home to the historic North Shattuck district, this top-floor, 2-bedroom, 1-bath condo offers 996 sq ft of comfortable living in one of the city's most sought-after locations. Built in 1962, the home is highlighted by a spacious living room with a cozy fireplace, abundant natural light, and skylights that create a bright and welcoming atmosphere. Whether you're enjoying a quiet evening at home, working remotely, or entertaining guests, the inviting living spaces offer comfort and functionality for everyday living. Additional highlights include in-unit laundry, elevator access, and a private garage, providing convenience and valuable…