1515 14th Ave #403
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
37% of that payment is not the mortgage. The HOA fee alone is $33,360 over five years — money that buys you no equity. A calculator that defaulted the fee to zero would have quoted you $1,904.
Not FHA-approved. No 3.5%-down FHA financing on this unit, so the realistic floor is a 5%-down conventional loan ($13,994). 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
2 recorded pointsReconstructed from 4 units of recorded sales at 1515 14th Ave — 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
- 25% below its 2020 peak
- On market 85 days → some leverage
- Upper floor (fl 4)
- In-unit W/D
⚠️ Cons
- HOA $556/mo
🚩 Red flags
Photos
Price history (this unit)
- Jul 18, 2026 — Listed $279,888
- Dec 8, 2023 — Rental Removed $1,650
- Oct 28, 2023 — Price Changed $1,650
- Oct 26, 2023 — Price Changed $1,700
- Oct 15, 2023 — Price Changed $1,750
- Sep 30, 2023 — Listed for Rent $1,995
Description
Don't miss this opportunity! Welcome to this charming, move-in ready, 1 bedroom, 1 bathroom condo in Oakland. This top floor unit boasts stunning views with plenty of natural light, a bathroom skylight, and two outdoor balconies to enjoy! New paint throughout and new carpet in the bedroom gives a fresh feel to this space. Laundry hookups in unit mean no hassle to get your laundry done! Get comfortable with the cohesive look this property brings with granite countertops in both the kitchen and bathroom along with bright laminate floors in the living space. Enjoy an ideal location close to downtown and freeways while enjoying an assigned garage parking spot when you get home. Don't wait, come…