1920 Union St #9
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
30% 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 $2,533.
Not FHA-approved. No 3.5%-down FHA financing on this unit, so the realistic floor is a 5%-down conventional loan ($18,750). 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 2026-10-08 — 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 ($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
- 20% below model fair value
- 29% below its 2021 peak
- On market 116 days → strong negotiating leverage
⚠️ Cons
- Older building (1930)
- Ground floor
🚩 Red flags
- Listed BELOW its 2022 sale ($395k) → value eroding
- Live/work loft — workspace-heavy sqft and a thinner buyer pool inflate the apparent discount vs regular condo comps
Photos
Price history (this unit)
- Jun 19, 2026 — Listed $375,000
- Apr 1, 2022 — Sold (MLS) $395,000
- Feb 2, 2022 — Price Changed $449,000
- Nov 5, 2021 — Price Changed $499,000
- Oct 13, 2021 — Price Changed $520,000
- Aug 23, 2021 — Listed $530,000
Description
Ground floor loft for commercial use-residential use must be okayed by the condo board--buyer to verify. May require commercial loan, cash or SBA loan. One form of egress through unit's door. Classic loft styling in a converted 1930 factory in a live/work building already wired for Sonic high-speed internet. Original factory wood flooring upstairs, industrial tile downstairs, tons of storage on both levels. Original industrial window wall lets in plenty of natural light. Close proximity to Ghost Town Brewery, Pacific Pipe, DeFremery Park and Oakland Public Library West Oakland. Plus a darn good cappuccino at Proyecto Diaz Coffee! Pet friendly building with self-managed HOA--no management…