1728 7th St Unit F
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
31% of that payment is not the mortgage. The HOA fee alone is $28,560 over five years — money that buys you no equity. A calculator that defaulted the fee to zero would have quoted you $2,494.
Not FHA-approved. No 3.5%-down FHA financing on this unit, so the realistic floor is a 5%-down conventional loan ($18,450). 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 2026-10-08 — 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 ($512 in 2026), not enough for a trend yet. The listing shows $476/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
- Cheapest of 8 tracked in Berkeley
- 12% below model fair value
- On market 160 days → strong negotiating leverage
- Garage parking
⚠️ Cons
- Small (475 sf)
- Older building (1963)
- Photos look dim — verify light in person
🚩 Red flags
Photos
Price history (this unit)
- May 4, 2026 — Listed $369,000
Description
Charming, light-filled 2nd Floor Unit at a Super Price! Located a few blocks from the Fourth Street Shopping District, it was recently renovated with real hardwood flooring, recessed lighting, double-pane screened windows, fresh paint, new applicances. The building, which contains seven units in total, all with separate exterior entrances, was recently painted and re-roofed, and new tiling and driveway and security entrance gates were installed. Directly across the street is the Kennedy Park and Recreation Center featuring many indoor and outdoor activities at no or low cost, and has a picnic and barbecue area, a soft ball field and dog park. One on site parking spot available at additional…