6400 Christie Ave #2221
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
33% of that payment is not the mortgage. The HOA fee alone is $52,920 over five years — money that buys you no equity. A calculator that defaulted the fee to zero would have quoted you $3,758.
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 · +7.2%/yrReconstructed from 88 units of recorded sales at 6400 Christie Ave — every recorded sale carries its HOA fee and date. No listing site shows this.
These dues climbed 41% in 5 years — about +7.2%/yr across 88 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
- Undervalued once condition & history are priced in
- 98% below its 2009 peak
- Upper floor (fl 22)
- In-unit W/D
⚠️ Cons
- HOA $882/mo
🚩 Red flags
- Listed BELOW its 2022 sale ($650k) → value eroding
Photos
Price history (this unit)
- Jan 28, 2022 — Sold (MLS) $650,000
- Jan 28, 2022 — Sold (Public Records) $650,000
- Dec 7, 2021 — Listed $647,000
- Sep 21, 2009 — Sold (Public Records) $25,000,000
Description
Experience resort-inspired living at Bridgewater in Emeryville. This desirable two-bedroom, two bath corner residence is among the community's more generously sized unit. Freshly painted and complemented by a private balcony accessed by the dinning room. The well-appointed kitchen features granite countertops, a breakfast bar for casual dining and a new stove. The primary bath includes a brand-new walk-in shower, and the in-unit laundry closet adds effortless convenience. Two garage parking spaces and 24-Hour security further enhance the lifestyle. Residents enjoy an impressive suite of resort-style amenities, including a well-equipped fitness center, massage rooms, swimming poll, jacuzzi…