1545 23rd Ave
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
33% of that payment is not the mortgage. The HOA fee alone is $23,700 over five years — money that buys you no equity. A calculator that defaulted the fee to zero would have quoted you $1,916.
Not FHA-approved. No 3.5%-down FHA financing on this unit, so the realistic floor is a 5%-down conventional loan ($15,000). 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
We haven't reconstructed a multi-year fee history for this building yet. We have one recorded fee on file ($395 in 2026), not enough for a trend yet. The listing shows $395/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
- 33% below model fair value
⚠️ Cons
- Photos look dim — verify light in person
🚩 Red flags
Photos
Price history (this unit)
- Aug 21, 2026 — Listed $300,000
- Aug 21, 2026 — Listed $300,000
- Sep 19, 2014 — Sold (Public Records) $165,000
- Sep 8, 2009 — Sold (MLS) $70,000
- Jun 29, 2009 — Listed $75,000
- Dec 20, 2007 — Sold (Public Records) $360,000
Description
Welcome to 1545 23rd Avenue! A cozy, well-maintained 3 bedroom 2 bathroom home in Oaklands Rancho San Antonio / Meadow Brook neighborhood. The main living space offers great natural light and an easy flow, making the home feel warm and inviting from the moment you walk in. You're just steps away from Garfield Park, perfect for daily walks or relaxing outdoors! Public transportation is easily accessible, with multiple AC Transit bus lines running along 23rd Avenue for quick and easy travel. Close to parks, local shops, schools, and dining, the location adds to the homes overall convenience and ease, making it an attractive option for buyers and investors. Don't miss your opportunity to make t