222 Broadway #1412
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
37% of that payment is not the mortgage. The HOA fee alone is $51,240 over five years — money that buys you no equity. A calculator that defaulted the fee to zero would have quoted you $2,865.
Not FHA-approved. No 3.5%-down FHA financing on this unit, so the realistic floor is a 5%-down conventional loan ($21,250). 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
6 recorded pointsReconstructed from 23 units of recorded sales at 222 Broadway — every recorded sale carries its HOA fee and date. No listing site shows this.
We have a few recorded HOA fees for this building but not yet enough to call a reliable trend, so these are the raw points — no rate implied. Its documents fill in the reserve health and assessment risk.
🏢 Get this building's full reserve & assessment report — free →✅ Positives
- 39% below its 2020 peak
- Upper floor (fl 14)
- In-unit W/D
- Garage parking
⚠️ Cons
- 26% above model fair value
- HOA $854/mo
🚩 Red flags
- Listed BELOW its 2020 sale ($692k) → value eroding
- Only 1 photo — verify condition
Photos
Price history (this unit)
- Oct 9, 2026 — Listed $425,000
- Dec 1, 2023 — Rental Removed $2,695
- Nov 30, 2023 — Listed for Rent $2,695
- Jul 13, 2020 — Sold (MLS) $692,000
- Jul 13, 2020 — Sold (Public Records) $692,000
- Jun 5, 2020 — Listed $699,000
Description
Exceptional One-Bedroom Condo Short Sale Opportunity at The Ellington in Oakland’s Jack London Square! Experience sophisticated urban living in one of Oakland’s most desirable waterfront communities. This beautifully appointed one-bedroom condominium at The Ellington offers an inviting blend of contemporary design, impressive city views, and the convenience of a full-service luxury building. An expansive, light-filled floor plan creates an effortless flow between living, dining, and entertaining spaces, while floor-to-ceiling windows frame the surrounding skyline. Step onto your private balcony to enjoy spectacular sunrises and sweeping city views. The thoughtfully designed interior…