150 Pearl St #122
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
36% of that payment is not the mortgage. The HOA fee alone is $29,220 over five years — money that buys you no equity. A calculator that defaulted the fee to zero would have quoted you $1,903.
Not FHA-approved. No 3.5%-down FHA financing on this unit, so the realistic floor is a 5%-down conventional loan ($14,900). 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 2026-08-20 — 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 8 units of recorded sales at 150 Pearl 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
- Garage parking
⚠️ Cons
- Ground floor
🚩 Red flags
Photos
Price history (this unit)
- Aug 19, 2026 — Listed $298,000
- Apr 24, 2014 — Sold (MLS) $187,500
- Jan 31, 2014 — Price Changed $218,000
- Jan 14, 2014 — Listed $228,000
- Jan 19, 2012 — Sold (MLS) $50,000
- Nov 1, 2011 — Price Changed $50,008
Description
Tucked away from the street in a quiet, well-maintained community, this ground-floor corner unit at 150 Pearl Street offers a peaceful retreat in the heart of Oakland. Thoughtfully updated and move-in ready, the home features sleek bamboo flooring throughout, newly installed lighting, and a private patio—ideal for al fresco dining or a morning coffee. The modern kitchen is equipped with newer stainless steel appliances and ample cabinetry, perfect for everyday cooking or entertaining. Just off the entry, a convenient closet offers flexible storage—ideal for coats, extra pantry items, or household essentials. The bedroom includes a generous closet and a built-in office alcove, ma