2550 Dana St Unit 2F
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 $35,520 over five years — money that buys you no equity. A calculator that defaulted the fee to zero would have quoted you $3,023.
Not FHA-approved. No 3.5%-down FHA financing on this unit, so the realistic floor is a 5%-down conventional loan ($22,450). 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
🚩 Rising fast · +7.5%/yrReconstructed from 17 units of recorded sales at 2550 Dana St — every recorded sale carries its HOA fee and date. No listing site shows this.
These dues climbed 43% in 5 years — about +7.5%/yr across 17 units of recorded sales, well above inflation. A rise this steep is a leading signal of a special assessment, a drained reserve fund, or an insurance shock. The listing never shows it; the building's documents are where the "why" lives.
🏢 Get this building's full reserve & assessment report — free →✅ Positives
- 17% below model fair value
⚠️ Cons
- HOA $592/mo
- Older building (1962)
- Ground floor
🚩 Red flags
- Back on market — this unit was off the market and was relisted Oct 1
Photos
Price history (this unit)
- Oct 1, 2026 — Listed $449,000
- Jul 17, 2012 — Sold (MLS) $159,000
- Apr 22, 2012 — Price Changed $159,000
- Feb 26, 2012 — Price Changed $189,000
- Jul 19, 2011 — Listed $200,000
- Jul 16, 2011 — Sold (MLS) $159,000
Description
Lovely, well-maintained 55+ community with an active lifestyle and wonderful amenities! This beautifully remodeled end-unit features fresh paint throughout, new carpet, custom blinds, and abundant natural light. The bright, open layout offers great privacy, with windows facing the peaceful patio—away from any street noise. Ample storage, including a convenient entry closet. Berkeley Town House invites you to join a vibrant community with movie nights, book clubs, Spanish classes, Scrabble, political discussions, exercise facilities, ping pong, walking groups, and more. Ideally located near public transportation, shopping, dining, and entertainment.