1451 13th St #1
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
38% of that payment is not the mortgage. The HOA fee alone is $41,100 over five years — money that buys you no equity. A calculator that defaulted the fee to zero would have quoted you $2,136.
Not FHA-approved. No 3.5%-down FHA financing on this unit, so the realistic floor is a 5%-down conventional loan ($15,750). 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 ($643 in 2026), not enough for a trend yet. The listing shows $685/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
- 32% below model fair value
- 37% below its 2019 peak
- On market 45 days → some leverage
- In-unit W/D
⚠️ Cons
- HOA $685/mo
- Older building (1925)
- Ground floor
🚩 Red flags
- Listed BELOW its 2019 sale ($496k) → value eroding
Photos
Price history (this unit)
- Aug 27, 2026 — Listed $332,000
- Dec 27, 2019 — Sold (MLS) $496,000
- Dec 6, 2019 — Sold (Public Records) $496,000
- Oct 9, 2019 — Listed $499,800
- Aug 25, 2017 — Sold (MLS) $480,000
- Aug 25, 2017 — Sold (MLS) $480,000
Description
**Offered at an attractive price point, this residence presents an excellent opportunity to enjoy the flexibility and character of loft living in West Oakland.** Designed with an open-concept layout and dramatic ceilings, this 1-bedroom, 1.5-bath condo offers an inviting combination of volume, natural light, and flexible living space. The well-appointed kitchen features stainless steel appliances and opens directly to the main living area, making everyday living and entertaining seamless. The open floor plan also provides flexibility for a dedicated home office, creative workspace, or studio area, making this residence well suited for a variety of needs. Additional conveniences include…