1555 32nd St #4
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
31% of that payment is not the mortgage. The HOA fee alone is $39,600 over five years — money that buys you no equity. A calculator that defaulted the fee to zero would have quoted you $3,750.
Not FHA-approved. No 3.5%-down FHA financing on this unit, so the realistic floor is a 5%-down conventional loan ($29,750). 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 ($660 in 2026), not enough for a trend yet. The listing shows $660/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
- 20% below model fair value
- In-unit W/D
- Garage parking
- Low HOA (1.3%/yr)
⚠️ Cons
- HOA $660/mo
- Ground floor
- Photos look dim — verify light in person
🚩 Red flags
- Listed BELOW its 2019 sale ($675k) → value eroding
- Only 1 photo — verify condition
Photos
Price history (this unit)
- Apr 25, 2019 — Sold (MLS) $675,000
- Apr 25, 2019 — Sold (MLS) $675,000
- Apr 25, 2019 — Sold (Public Records) $675,000
- Feb 21, 2019 — Listed $675,000
- Feb 21, 2019 — Listed $675,000
- May 13, 2016 — Sold (MLS) $625,000
Description
Experience contemporary loft living in the vibrant Dogtown neighborhood of West Oakland. This spacious three-bedroom, three-bath dream combines an open, airy feel with versatile living spaces and convenient access to the best of the East Bay and San Francisco. Step inside to soaring ceilings, beautiful wood flooring, and an inviting sense of volume throughout the main living area. The open kitchen and living spaces create a natural gathering place for entertaining. A full bedroom and bathroom on the lower level offer excellent flexibility for guests, a home office, or additional private living space. Upstairs, two additional bedrooms and two full bathrooms provide comfortable accommodation