3113 Shattuck Ave #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
25% of that payment is not the mortgage. The HOA fee alone is $28,200 over five years — money that buys you no equity. A calculator that defaulted the fee to zero would have quoted you $4,679.
Not FHA-approved. No 3.5%-down FHA financing on this unit, so the realistic floor is a 5%-down conventional loan ($34,950). 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
We haven't reconstructed a multi-year fee history for this building yet. We have one recorded fee on file ($390 in 2023), not enough for a trend yet. The listing shows $470/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
- In-unit W/D
- Garage parking
- Low HOA (0.8%/yr)
⚠️ Cons
- 46% above model fair value
- Ground floor
- Only 1 bath
🚩 Red flags
Photos
Price history (this unit)
- Sep 17, 2026 — Listed $699,000
- Oct 7, 2002 — Sold (Public Records) $335,000
- May 4, 2001 — Sold (MLS) $334,000
- Feb 19, 2001 — Listed $334,000
Description
Urban loft living meets unexpected calm in the heart of South Berkeley. This spacious two-level loft pairs striking modern architecture and creative flexibility in an unusually peaceful setting. Soaring ceilings and expansive two-story windows flood the interior with natural light while framing views of the Berkeley hills and surrounding greenery. Designed with an open, airy sensibility, the main living space is defined by a sculptural spiral staircase, upper-level balcony, and impressive volume that creates a natural canvas for art, design, entertaining, and everyday living. A private patio connected to the kitchen offers a secluded spot for morning coffee, an evening glass of wine, or…