2201 Virginia St #2
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
34% of that payment is not the mortgage. The HOA fee alone is $51,720 over five years — money that buys you no equity. A calculator that defaulted the fee to zero would have quoted you $3,461.
Not FHA-approved. No 3.5%-down FHA financing on this unit, so the realistic floor is a 5%-down conventional loan ($25,750). 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 ($862 in 2026), not enough for a trend yet. The listing shows $862/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
- 15% below model fair value
- On market 81 days → some leverage
- Garage parking
⚠️ Cons
- HOA $862/mo
- Older building (1970)
- Ground floor
🚩 Red flags
Photos
Price history (this unit)
- Jul 22, 2026 — Listed $525,000
- Aug 31, 2007 — Sold (MLS) $380,000
- Aug 12, 2007 — Listed $379,000
Description
Just one block from UC Berkeley's Northside Campus, this bright corner unit delivers a rare combination of space, natural light, and value in one of North Berkeley's most desirable locations. Oversized windows wrap the living and dining area in sunlight, while the private balcony is perfect for morning coffee or relaxing outdoors. The updated kitchen features quartz countertops, white shaker cabinetry, and a functional layout that opens to the main living area, while distinctive built-in shelving adds character and valuable storage. Enjoy the ease of a secure, professionally managed building with elevator access, assigned garage parking, dedicated storage, community laundry, and a completed…