127 Bayo Vista Ave #104
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
41% of that payment is not the mortgage. The HOA fee alone is $56,880 over five years — money that buys you no equity. A calculator that defaulted the fee to zero would have quoted you $2,467.
Not FHA-approved. No 3.5%-down FHA financing on this unit, so the realistic floor is a 5%-down conventional loan ($18,250). 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 ($948 in 2026), not enough for a trend yet. The listing shows $948/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
- 27% below model fair value
- 26% below its 2015 peak
⚠️ Cons
- HOA $948/mo
- Older building (1972)
- Ground floor
🚩 Red flags
- Listed BELOW its 2015 sale ($495k) → value eroding
Photos
Price history (this unit)
- Sep 10, 2026 — Listed $395,000
- Dec 1, 2015 — Sold (MLS) $495,000
- Nov 10, 2015 — Sold (Public Records) $495,000
- Sep 17, 2015 — Listed $449,000
- Oct 31, 2013 — Sold (MLS) $363,000
- Oct 30, 2013 — Sold (Public Records) $363,000
Description
A beautifully updated 2-bedroom, 1-bath ground-floor condo in a highly desirable Oakland location near Piedmont Avenue. Step inside to a bright and inviting interior featuring brand-new luxury vinyl plank flooring throughout the living room, dining area, kitchen, and bedrooms, creating a seamless and contemporary feel from room to room. The stylish kitchen stands out with soft sage-green cabinetry, crisp countertops, and stainless steel appliances, bringing a fresh, designer-inspired touch to the space. A pass-through opening between the kitchen and living area provides visual connection while maintaining definition between the spaces-perfect for everyday living and entertaining. The living…