1201 Pine St #354
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
28% of that payment is not the mortgage. The HOA fee alone is $30,000 over five years — money that buys you no equity. A calculator that defaulted the fee to zero would have quoted you $3,361.
FHA-approved project. A 3.5%-down FHA loan is available here — about $17,500 down instead of $100,000. That also keeps low-down-payment buyers in the pool when you come to sell.
Minimum realistic down payment here: 3.5% · 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 6 units of recorded sales at 1201 Pine 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
- Upper floor (fl 3)
- In-unit W/D
- Garage parking
- Low HOA (1.2%/yr)
⚠️ Cons
- 18% above model fair value
🚩 Red flags
- Back on market — this unit was off the market and was relisted Sep 23
- Listed BELOW its 2022 sale ($511k) → value eroding
Photos
Price history (this unit)
- Sep 23, 2026 — Listed $500,000
- Jun 10, 2022 — Sold (MLS) $511,000
- Jun 10, 2022 — Sold (Public Records) $511,000
- Apr 30, 2022 — Price Changed $520,000
- Mar 31, 2022 — Listed $540,000
- May 30, 2018 — Sold (MLS) $535,000
Description
Welcome to urban living at its finest in the heart of West Oakland. This modern, priced to sell, open-concept Condo offers seamless flow between the living and dining areas, creating the perfect space for both relaxation and entertaining. Enjoy the comfort of heated bathroom floors, in-unit washer and dryer, and your own assigned parking space with EV charger. Pet-friendly and thoughtfully designed, The Pacific Cannery Loftsan award-winning Holliday-Baker gated communityoffers exceptional amenities, including: Three landscaped public courtyards/A tranquil arboretum/Bike storage and repair lounge/Pet grooming station Dry cleaning lockers for convenient pick-up and drop-off Perfectly located…