1200 65th St #202
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
35% of that payment is not the mortgage. The HOA fee alone is $65,700 over five years — money that buys you no equity. A calculator that defaulted the fee to zero would have quoted you $4,017.
Not FHA-approved. No 3.5%-down FHA financing on this unit, so the realistic floor is a 5%-down conventional loan ($29,950). 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
5 recorded pointsReconstructed from 10 units of recorded sales at 1200 65th 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
- Bigger than the Emeryville norm (1263 vs 859 sf)
⚠️ Cons
- HOA $1095/mo
- Only 1 bath
🚩 Red flags
- Very high HOA $1095/mo (full-service high-rise)
- Only 1 photo — verify condition
Photos
Price history (this unit)
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Description
This stunning loft space feels instantly expansive, thanks to soaring ceilings and an airy, open-concept layout that invites creativity. The entire interior has been freshly painted and thoughtfully upgraded, offering a crisp, modern aesthetic that’s ready for you to move right in and make it your own.