24 Emery Bay Dr
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
30% of that payment is not the mortgage. The HOA fee alone is $32,820 over five years — money that buys you no equity. A calculator that defaulted the fee to zero would have quoted you $3,222.
Not FHA-approved. No 3.5%-down FHA financing on this unit, so the realistic floor is a 5%-down conventional loan ($23,950). 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. The listing shows $547/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
- On market 45 days → some leverage
- Garage parking
- Low HOA (1.4%/yr)
⚠️ Cons
- 12% above model fair value
- Only 1 bath
🚩 Red flags
Photos
Price history (this unit)
- Aug 27, 2026 — Listed $489,000
- Aug 27, 2026 — Listed $489,000
- Nov 29, 2024 — Rental Removed $2,495
- Nov 21, 2024 — Price Changed $2,495
- Nov 7, 2024 — Listed for Rent $2,595
- Dec 2, 2013 — Sold (MLS) $370,000
Description
Welcome to 24 Emery Bay Dr. , a charming 2-bedroom, 1-bath condominium offering approximately 828 sq. ft. of comfortable living in the desirable Emery Bay Village community. Tucked into a tranquil, tree-lined setting in the heart of Emeryville, this home blends residential serenity with urban convenience. The thoughtfully designed floor plan features two generously sized bedrooms, a full bathroom, and an inviting living area ideal for everyday living and entertaining. Highlights include in-unit laundry, ample storage, and a private balcony with additional storage. Residents enjoy a community clubhouse, beautifully maintained greenbelts, and peaceful common areas. Trader Joes and Powell…