1201 Pine St #363
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
29% of that payment is not the mortgage. The HOA fee alone is $26,520 over five years — money that buys you no equity. A calculator that defaulted the fee to zero would have quoted you $2,831.
Not FHA-approved. No 3.5%-down FHA financing on this unit, so the realistic floor is a 5%-down conventional loan ($21,000). 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 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
- On market 332 days → strong negotiating leverage
- Upper floor (fl 3)
- In-unit W/D
- Garage parking
⚠️ Cons
🚩 Red flags
- Still cutting price ($460k→$449k→$439k→$429k→$420k)
- Listed BELOW its 2021 sale ($464k) → value eroding
Photos
Price history (this unit)
- May 7, 2026 — Price Changed $420,000
- Mar 28, 2026 — Price Changed $429,000
- Feb 26, 2026 — Price Changed $439,000
- Jan 16, 2026 — Price Changed $449,000
- Nov 13, 2025 — Listed $460,000
- Oct 14, 2021 — Sold (Public Records) $464,000
Description
Discover modern urban living in this chic 1-bedroom, 1-bathroom condo located in the heart of Oakland. Designed for comfort and functionality, the open floor plan is flooded with natural light, creating a bright and inviting space. Enjoy a touch of skyline views with glimpses of downtown Oakland, perfect for relaxing after a long day. The unit comes with a secure, dedicated parking spot in the garage—an added bonus for convenience in the city. Pet lovers will appreciate the on-site pet wash room, making it easy to care for your furry companions. With BART just minutes away, commuting or exploring the Bay Area couldn’t be more convenient. Whether heading to San Francisco or enjoying…