1545 32nd St Unit H8G30J
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
28% of that payment is not the mortgage. The HOA fee alone is $37,020 over five years — money that buys you no equity. A calculator that defaulted the fee to zero would have quoted you $4,017.
Not FHA-approved. No 3.5%-down FHA financing on this unit, so the realistic floor is a 5%-down conventional loan ($29,950). 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
✅ Fairly steady · +0.5%/yrReconstructed from 14 units of recorded sales at 1545 32nd St — every recorded sale carries its HOA fee and date. No listing site shows this.
These dues have held relatively steady (about +0.5%/yr over 2 years across 14 units) — a good sign. Only the reserve study confirms the building is keeping up with its big-ticket repairs.
🏢 Get this building's full reserve & assessment report — free →✅ Positives
- On market 713 days → strong negotiating leverage
- Low HOA (1.2%/yr)
- Newer build (2025)
- HOA steady in this building (~0.5%/yr over 2yr)
⚠️ Cons
- 40% above model fair value
- HOA $617/mo
🚩 Red flags
Photos
Price history (this unit)
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Description
Top floor model home with massive light patio deck and soaring vaulted ceilings with clearstory windows for an architecturally stunning look and feel. This split-bedroom design offers privacy and convenience. The kitchen is open and interactive with flat-paneled cabinets, quartz counters, and stainless appliances, including gas cooking. Next-level luxury blends approachable quality with refined simplicity. Hannah Row showcases sun-drenched, expansive floor plans that let you live large and comfortably. Surround yourself with breathtaking views: Eastern vistas of the sprawling Oakland Hills, and gorgeous sunsets views of the San Francisco skyline.