6400 Christie Ave #5109
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
40% of that payment is not the mortgage. The HOA fee alone is $39,120 over five years — money that buys you no equity. A calculator that defaulted the fee to zero would have quoted you $1,838.
Not FHA-approved. No 3.5%-down FHA financing on this unit, so the realistic floor is a 5%-down conventional loan ($13,500). 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
🚩 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
- Cheapest of 9 tracked in Emeryville
- On market 95 days → strong negotiating leverage
- Upper floor (fl 51)
⚠️ Cons
- Small (565 sf)
- HOA $652/mo
🚩 Red flags
Photos
Price history (this unit)
- Aug 28, 2026 — Price Changed $275,000
- Jul 8, 2026 — Listed $299,900
Description
Welcome to 6400 Christie Avenue #5109 in the hihgly sought after Bridgewater community of Emeryville. This cozy 565 sqft studio condominium offers an open concept layout that maximizes both comfort and functionality. The well designed living space features a warm and inviting space perfect for relaxing, working from home, or entertaining. Situated in the vibrant, highly walkable community of Emeryville, this home places you just moments from trendy cafs, popular restaurants, boutique shopping, Bay Street Emeryville, and everyday conveniences. Commuters will appreciate the exceptional location with easy access to major freeways, BART, Amtrak, the Emery Go-Round shuttle, and the Bay Bridge…