800 Delaware St #1020
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
32% of that payment is not the mortgage. The HOA fee alone is $50,940 over five years — money that buys you no equity. A calculator that defaulted the fee to zero would have quoted you $4,397.
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 2026-08-20 — 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
3 recorded pointsReconstructed from 3 units of recorded sales at 800 Delaware 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
- Upper floor (fl 10)
- In-unit W/D
⚠️ Cons
- HOA $849/mo
- Only 1 bath
🚩 Red flags
Photos
Price history (this unit)
- Nov 22, 2011 — Sold (Public Records) $265,000
- Dec 11, 2003 — Sold (Public Records) $425,000
- Sep 11, 1992 — Sold (Public Records) $163,500
- Nov 14, 1988 — Sold (Public Records) $155,000
- Nov 14, 1988 — Sold (Public Records) $155,000
Description
Thoughtfully renovated and filled with natural light, this top-floor 2BR/1BA condo blends vintage-inspired character with modern comfort in the heart of West Berkeley. Built in 1988, the charming building draws inspiration from Victorian-era architecture, with decorative detailing and classic proportions. Inside, high ceilings, tall windows and rich hardwood floors create a warm, airy feel. The inviting living room features a gas fireplace and flows seamlessly into the dining area and well-appointed kitchen with warm wood cabinetry, stone countertops, stainless steel appliances and counter seating. Two comfortable bedrooms, a beautifully updated bath, in-unit laundry, abundant storage and a