1780 12th St
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
24% of that payment is not the mortgage. The HOA fee alone is $19,800 over five years — money that buys you no equity. A calculator that defaulted the fee to zero would have quoted you $3,944.
Not FHA-approved. No 3.5%-down FHA financing on this unit, so the realistic floor is a 5%-down conventional loan ($29,400). 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
We haven't reconstructed a multi-year fee history for this building yet. We have one recorded fee on file ($330 in 2026), not enough for a trend yet. The listing shows $330/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
- In-unit W/D
- Garage parking
- Low HOA (0.7%/yr)
- Newer build (2011)
⚠️ Cons
- Photos look dim — verify light in person
🚩 Red flags
- Listed BELOW its 2023 sale ($608k) → value eroding
Photos
Price history (this unit)
- Aug 28, 2026 — Listed $588,000
- Apr 28, 2023 — Sold (MLS) $608,000
- Apr 28, 2023 — Sold (Public Records) $608,000
- Apr 11, 2023 — Listed $599,000
- Mar 23, 2022 — Price Changed $3,085
- Mar 19, 2022 — Price Changed $3,085
Description
Modern West Oakland living with unbeatable convenience! Located in the desirable Zephyr Gate community, this stylish home offers the perfect blend of comfort, functionality, and commuter-friendly access. Just minutes from West Oakland BART and major freeways, enjoy an easy commute into San Francisco, Downtown Oakland, and beyond. Inside, you’ll find a bright and open layout with spacious living areas, abundant natural light, and contemporary finishes throughout. The home features generously sized bedrooms, an attached garage, and flexible spaces ideal for working from home or hosting guests. Enjoy living near local cafes, breweries, restaurants, and the rapidly growing West Oakland scene…