1511 Jefferson St Ph 12
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
30% of that payment is not the mortgage. The HOA fee alone is $28,800 over five years — money that buys you no equity. A calculator that defaulted the fee to zero would have quoted you $2,692.
Not FHA-approved. No 3.5%-down FHA financing on this unit, so the realistic floor is a 5%-down conventional loan ($19,950). 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 ($480 in 2026), not enough for a trend yet. The listing shows $480/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
- 28% below its 2016 peak
- On market 138 days → strong negotiating leverage
- In-unit W/D
- Garage parking
⚠️ Cons
🚩 Red flags
- Listed BELOW its 2016 sale ($555k) → value eroding
Photos
Price history (this unit)
- Jul 13, 2026 — Price Changed $399,000
- May 18, 2026 — Listed $419,000
- Apr 19, 2016 — Sold (MLS) $555,000
- Apr 15, 2016 — Sold (Public Records) $555,000
- Mar 21, 2016 — Listed $479,000
Description
Welcome to urban luxury in Uptown Oakland. This bright 1BR condo offers a refreshed, open layout designed for modern living. The heart of the home is a great room where the kitchen, dining, and living areas flow seamlessly together. The generous bedroom (with two closets) serves as a peaceful retreat. Updates include laminate flooring, newer stainless steel appliances, new paint throughout, and new carpet in the bedroom. In-unit laundry and dedicated garage parking ensures an effortless lifestyle. This building offers an array of desirable amenities, including a courtyard and a stunning rooftop deck, featuring a BBQ area and City views. This prime location is close to BART, public transit…