1451 13th St #5
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
35% of that payment is not the mortgage. The HOA fee alone is $36,000 over five years — money that buys you no equity. A calculator that defaulted the fee to zero would have quoted you $2,361.
Not FHA-approved. No 3.5%-down FHA financing on this unit, so the realistic floor is a 5%-down conventional loan ($17,450). 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 $600/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
- 24% below model fair value
- 31% below its 2019 peak
- In-unit W/D
⚠️ Cons
- HOA $600/mo
- Older building (1925)
- Ground floor
🚩 Red flags
- Listed BELOW its 2019 sale ($505k) → value eroding
- Live/work loft — workspace-heavy sqft and a thinner buyer pool inflate the apparent discount vs regular condo comps
Photos
Price history (this unit)
- Sep 9, 2026 — Listed $349,000
- Jul 31, 2019 — Sold (Public Records) $505,000
- Dec 28, 2016 — Sold (Public Records) $425,000
Description
1451 13th St is a distinctive industrial-chic loft in West Oakland's highly sought-after Center Street Lofts. This turnkey light-filled residence features soaring ceilings, in-unit laundry, and an open-concept live/work design that blends character with modern functionality. The skylights flood the home with an abundance of natural light! Ideally located near the Bay Bridge, major highways and West Oakland BART, this home offers easy access to San Francisco, Downtown Oakland, and the greater Bay Area. Enjoy being just blocks from Raimondi Park, home of the Champion Oakland Ballers and the Prescott Market which hosts a year-round and very popular Sunday farmer's market. Combining loft-style…