1318 B St #105
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
34% of that payment is not the mortgage. The HOA fee alone is $37,500 over five years — money that buys you no equity. A calculator that defaulted the fee to zero would have quoted you $2,625.
Not FHA-approved. No 3.5%-down FHA financing on this unit, so the realistic floor is a 5%-down conventional loan ($19,444). 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 · +7.1%/yrReconstructed from 4 units of recorded sales at 1318 B St — every recorded sale carries its HOA fee and date. No listing site shows this.
These dues climbed 32% in 4 years — about +7.1%/yr across 4 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
- 43% below its 1996 peak
- In-unit W/D
- Garage parking
⚠️ Cons
- HOA $625/mo
- Ground floor
- Only 1 bath
🚩 Red flags
Photos
Price history (this unit)
- Sep 2, 2026 — Listed $388,888
- Sep 1, 2009 — Sold (MLS) $125,000
- Jul 7, 2009 — Price Changed $125,000
- May 19, 2009 — Listed $149,900
- Apr 13, 2007 — Sold (MLS) $370,000
- Apr 1, 2007 — Listed $370,000
Description
Freshly updated and move-in ready in a prime Hayward location in Upper B Street Community. This 2-bedroom, 1-bath condo with in unit laundry has been thoughtfully refreshed with newer kitchen stainless steel appliances, granite counters, and a full backsplash. The kitchen also offers a breakfast counter plus a dedicated dining area, perfect for everyday living and entertaining. The bathroom has been updated, and brand new carpet runs throughout the home, with tile at the entry, kitchen, and bath. The primary bedroom enjoys a peaceful view of the pool area. The second bedroom, while windowless, includes a closet and offers flexible use as a guest room, office, or den. The spacious family…