1020 Jackson St #204
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
32% of that payment is not the mortgage. The HOA fee alone is $33,000 over five years — money that buys you no equity. A calculator that defaulted the fee to zero would have quoted you $2,605.
Not FHA-approved. No 3.5%-down FHA financing on this unit, so the realistic floor is a 5%-down conventional loan ($19,294). 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
2 recorded pointsReconstructed from 4 units of recorded sales at 1020 Jackson St — 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
- In-unit W/D
- Garage parking
- Newer build (2006)
⚠️ Cons
- 29% above model fair value
- HOA $550/mo
- Photos look dim — verify light in person
🚩 Red flags
Photos
Price history (this unit)
- Sep 28, 2026 — Listed $385,888
- Jul 31, 2025 — Rental Removed $1,925
- Jul 13, 2025 — Price Changed $1,925
- Jul 12, 2025 — Price Changed $2,135
- Jun 28, 2025 — Price Changed $2,195
- Jun 6, 2025 — Price Changed $2,295
Description
Exceptional one bedroom, one bath condo within walking distance to Lake Merritt and other neighboring Oakland landmarks. Updated appliances with washer and dryer included. This is a fully secured building with off street parking. Minutes from BART and other public transportation. This is a must see. NOTE: The interior pictures are from a previous tenant/occupant.