2229 Myrtle 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
21% of that payment is not the mortgage. The HOA fee alone is $11,820 over five years — money that buys you no equity. A calculator that defaulted the fee to zero would have quoted you $3,924.
Not FHA-approved. No 3.5%-down FHA financing on this unit, so the realistic floor is a 5%-down conventional loan ($29,250). 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
We haven't reconstructed a multi-year fee history for this building yet. We have one recorded fee on file ($197 in 2026), not enough for a trend yet. The listing shows $197/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 (0.4%/yr)
- Newer build (2020)
⚠️ Cons
- Fresh listing — no price leverage yet
🚩 Red flags
Photos
Price history (this unit)
- Oct 7, 2026 — Listed $584,999
Description
Exterior renovations are now complete, including a brand-new balcony, and this sleek, light-filled Ice House home is ready to shine. Set in one of Oakland's liveliest pockets, surrounded by inventive restaurants and craft breweries, it more than holds its own. The open floor plan moves easily from living room to dining to a kitchen made for real cooking, with a Bertazzoni Italian oven, Bosch dishwasher, and built-in wine fridge. Pour a glass and step out to that new private balcony for evenings outdoors. Upstairs, each bedroom has its own en-suite bath, a rare layout that gives everyone their own retreat. The primary suite is made for two, with double vanities, dual closets, and custom…