1510 32nd St #2
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
25% of that payment is not the mortgage. The HOA fee alone is $16,800 over five years — money that buys you no equity. A calculator that defaulted the fee to zero would have quoted you $3,030.
Not FHA-approved. No 3.5%-down FHA financing on this unit, so the realistic floor is a 5%-down conventional loan ($22,500). 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 ($500 in 2026), not enough for a trend yet. The listing shows $280/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
- On market 152 days → strong negotiating leverage
- Low HOA (0.7%/yr)
⚠️ Cons
- Ground floor
- Photos look dim — verify light in person
🚩 Red flags
Photos
Price history (this unit)
- Jun 8, 2026 — Price Changed $525,000
- May 4, 2026 — Listed $545,000
- Feb 3, 2025 — Rental Removed $2,325
- Jan 27, 2025 — Rental Removed $2,525
- Jan 27, 2025 — Listed for Rent $2,525
- Jan 23, 2025 — Price Changed $2,525
Description
Discover the perfect East Bay escape at 1510 32nd Street in Emeryvillea stylish, light-filled condo in a historic 1945 building where urban energy meets effortless living. Imagine waking up steps from vibrant streets, with a quick stroll to BART delivering you to San Francisco's tech hubs in just 15-21 minutes. No more soul-crushing commutes. Tech professionals love Emeryville's unbeatable location: Bay Bridge views, direct freeway access, and a short ride to downtown SF offices, all while enjoying lower costs and more space than the city. This is where work-life balance thrives. Start your day at Black Diamond Caf with fresh pastries and espresso, or grab brunch at Doyle Street Caf, a…