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StealpadOakland, CAFruitvale1547 Chandler St
1547 Chandler St — 3 bd condo for sale in Fruitvale, Oakland
65Good value

1547 Chandler St

Fruitvale, Oakland, CA · 94603
$599,800 18% below mkt
3 bd · 2 ba · 1,734 sqft · $346/sf
HOA $454/mo · 🏢 fee history ↓ · 28 days on market · built 2002
💎 Hidden gem
⚖️ Adjusted valueUndervaluedasking is 14% under fair value
Model fair value · 3 sold comps · ±13%$699,274
vs model fair value · size · beds/baths · age · HOA · location−14%
Condition · Avg / verify in person0
Price history · limited sale history0
📐 How this Deal Score was built65Good value
Value gap · asking vs model fair value, after condition & price history+16.8
HOA burden · $454/mo = 0.91%/yr of price vs a 1.34% norm — at or below normal, no charge0
Days on market · 28 days — not long enough to give you leverage0
Raw advantage · the three above, combined+16.8
Model confidence · moderate — ±13% typical model error across 3 sold comps. The less certain the model, the harder the gap is pulled back toward neutral×0.8
Deal Score65/100

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

$4,234/mo all-in
20% down at 6.65% (this week's 30-year average) · mortgage + tax + insurance + HOA
Mortgage principal & interest$3,080
Property tax (1.30% effective)$650
Insurance (estimate)$50
HOA dues$454
Total monthly$4,234
Rough cash to close$134,955

27% of that payment is not the mortgage. The HOA fee alone is $27,240 over five years — money that buys you no equity. A calculator that defaulted the fee to zero would have quoted you $3,780.

Financing type

Not FHA-approved. No 3.5%-down FHA financing on this unit, so the realistic floor is a 5%-down conventional loan ($29,990). 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 ($454 in 2026), not enough for a trend yet. The listing shows $454/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
  • 14% below model fair value
  • Low HOA (0.9%/yr)
⚠️ Cons
  • Photos look dim — verify light in person
🚩 Red flags

Photos

Price history (this unit)

Description

Stop renting and start owning at 1547 Chandler St, a move-in-ready gem that offers incredible value without the headache of a "fixer-upper. " Spanning 1,734 square feet, this 3-bedroom, 2-bathroom home perfectly balances modern comfort with the peace of mind that comes from recent upgrades. The hard work has already been done for you. Within the last five years, the home has been thoughtfully updated with a new HVAC system, water heater, dishwasher, and refrigerator, along with refreshed lighting fixtures that brighten the space. It’s rare to find a home at this price point where the big-ticket items are already checked off the list. Step inside to find a bright and inviting

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