2018 9th St Unit B
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 $40,800 over five years — money that buys you no equity. A calculator that defaulted the fee to zero would have quoted you $3,884.
Not FHA-approved. No 3.5%-down FHA financing on this unit, so the realistic floor is a 5%-down conventional loan ($28,950). 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
2 recorded pointsReconstructed from 2 units of recorded sales at 2018 9th St — every recorded sale carries its HOA fee and date. No listing site shows this.
We have a few recorded HOA fees for this building but not yet enough to call a reliable trend, so these are the raw points — no rate implied. Its documents fill in the reserve health and assessment risk.
🏢 Get this building's full reserve & assessment report — free →✅ Positives
- 14% below model fair value
- On market 158 days → strong negotiating leverage
- Low HOA (1.4%/yr)
⚠️ Cons
- HOA $680/mo
- Only 1 bath
- Photos look dim — verify light in person
🚩 Red flags
Photos
Price history (this unit)
- May 6, 2026 — Listed $579,000
- May 19, 2005 — Sold (MLS) $415,000
- May 19, 2005 — Sold (Public Records) $415,000
- Mar 18, 2005 — Listed $345,000
- May 15, 2003 — Sold (MLS) $245,000
- May 15, 2003 — Sold (Public Records) $245,000
Description
Experience the best of West Berkeley living in this charming 2-bedroom, 1-bath condo ideally located near shopping, dining, freeway access, and the vibrant 4th Street district. This light-filled home offers approximately 800± sq ft of comfortable living space with a functional layout, spacious bedrooms, and excellent value for Berkeley. Conveniently located near the Berkeley Marina, parks, cafes, and commuter routes. A great opportunity for first-time buyers, professionals, or anyone looking for an affordable entry into the Berkeley market. HOA amenities provide added convenience and low-maintenance living. Offered at an attractive new price of $579,000.