6400 Christie
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
38% of that payment is not the mortgage. The HOA fee alone is $43,680 over five years — money that buys you no equity. A calculator that defaulted the fee to zero would have quoted you $2,378.
Not FHA-approved. No 3.5%-down FHA financing on this unit, so the realistic floor is a 5%-down conventional loan ($17,900). 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 2026-11-05 — 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
2 recorded pointsReconstructed from 2 units of recorded sales at 6400 Christie — 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
- Best $/sf of 10 tracked in Emeryville
- 23% below model fair value
- Garage parking
⚠️ Cons
- HOA $728/mo
- Photos look dim — verify light in person
🚩 Red flags
Photos
Price history (this unit)
- Nov 6, 2026 — Listed $358,000
- Sep 13, 2026 — Rental Removed $3,200
- Sep 6, 2026 — Listed for Rent $3,200
- Sep 5, 2026 — Rental Removed $2,100
- Apr 26, 2026 — Rental Removed $2,100
- Apr 25, 2026 — Listed for Rent $2,100
Description
Welcome to Bridgewater, one of Emeryville’s most sought-after resort-style communities, offering comfort, convenience, and outstanding amenities in a prime Bay Area location. This refreshed 2nd-floor 1-bedroom, 1-bath residence offers 985 sq ft of functional living space. Inside, the home features an open-concept layout with fresh interior paint and carpeting throughout the main living areas. The spacious living room opens directly to a private patio, creating seamless indoor-outdoor space and offering one of the largest patio spaces in the community. The kitchen includes granite/stone countertops, stainless steel appliances, ample cabinetry, and a breakfast bar ideal for casual dining. The…