105 Zephyr
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
22% of that payment is not the mortgage. The HOA fee alone is $19,800 over five years — money that buys you no equity. A calculator that defaulted the fee to zero would have quoted you $5,513.
Not FHA-approved. No 3.5%-down FHA financing on this unit, so the realistic floor is a 5%-down conventional loan ($41,250). 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
We haven't reconstructed a multi-year fee history for this building yet. We have one recorded fee on file ($330 in 2026), not enough for a trend yet. The listing shows $330/mo today. Upload its HOA docs and we'll build the full reserve & special-assessment report — free.
🏢 Get this building's free HOA report →✅ Positives
- In-unit W/D
- Garage parking
- Low HOA (0.5%/yr)
- Newer build (2009)
⚠️ Cons
- Photos look dim — verify light in person
🚩 Red flags
Photos
Price history (this unit)
- Feb 22, 2018 — Sold (MLS) $825,000
- Feb 22, 2018 — Sold (Public Records) $825,000
- Jan 16, 2018 — Listed $699,600
- Dec 10, 2015 — Sold (MLS) $660,000
- Dec 10, 2015 — Sold (Public Records) $660,000
- Oct 30, 2015 — Listed $599,000
Description
The most sought-after & largest floor plan within Zephyr Gate, this rare modern three-bedroom, three-and-a-half-bathroom townhouse delivers everything you're looking for in West Oakland. Built by Pulte Homes with excellent construction quality throughout. High ceilings & engineered hardwood floors paired with large floor-to-ceiling windows flood the space with light. The open second-level floor plan works perfectly for entertaining & everyday living. En-suite bathrooms off each bedroom plus an additional half bath off the living floor. Updated kitchen with quartz countertops & stainless steel appliances. Enjoy in-unit laundry. There is a 2-car attached garage with additional storage.…