1450 4th St #5 #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
30% of that payment is not the mortgage. The HOA fee alone is $33,000 over five years — money that buys you no equity. A calculator that defaulted the fee to zero would have quoted you $3,464.
Not FHA-approved. No 3.5%-down FHA financing on this unit, so the realistic floor is a 5%-down conventional loan ($27,450). 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 ($550 in 2026), not enough for a trend yet. The listing shows $550/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
- 41% below model fair value
- In-unit W/D
- Low HOA (1.2%/yr)
⚠️ Cons
- HOA $550/mo
- Ground floor
🚩 Red flags
- Live/work loft — workspace-heavy sqft and a thinner buyer pool inflate the apparent discount vs regular condo comps
Photos
Price history (this unit)
- Aug 2, 2026 — Listed $549,000
- Dec 15, 2002 — Sold (MLS) $395,000
- Jul 18, 2002 — Listed $395,000
Description
Welcome to 1450 4th Street, a wonderful True live/work, ideally located just 2 blocks from Berkeley's famed 4th Street district. This West Berkeley condo is divided into two separate units, offering the perfect setting for a home office, studio, or workshop, allowing to create a space that suits your unique needs and lifestyle. Art lovers will be able to showcase their collection with the expansive walls and ceiling heights in the work space. The upstairs skylights are flooding the space with natural light, and featuring full kitchen, full bath, washer/dryer, and a third level bedroom with a walk-in closet. A deeded designated parking space is included, a highly desired feature in this thriv