3054 Bona St Unit D
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
27% of that payment is not the mortgage. The HOA fee alone is $23,280 over five years — money that buys you no equity. A calculator that defaulted the fee to zero would have quoted you $3,023.
Not FHA-approved. No 3.5%-down FHA financing on this unit, so the realistic floor is a 5%-down conventional loan ($22,450). 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 ($363 in 2026), not enough for a trend yet. The listing shows $388/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
- Garage parking
- Low HOA (1%/yr)
⚠️ Cons
- Older building (1965)
- Only 1 bath
🚩 Red flags
- Back on market — this unit was off the market and was relisted Sep 21
- Listed BELOW its 2019 sale ($510k) → value eroding
Photos
Price history (this unit)
- Sep 21, 2026 — Listed $449,000
- Aug 9, 2019 — Sold (MLS) $510,000
- Aug 9, 2019 — Sold (Public Records) $510,000
- Jun 22, 2019 — Listed $489,000
- Sep 13, 2016 — Sold (MLS) $365,000
- Sep 13, 2016 — Sold (Public Records) $365,000
Description
Located in the heart of Oakland this well maintained condo lives like a home nestled in a quiet setting. The unit is located on the upper floor in the back of the complex. It features spacious, light filled rooms, nice views, gated entry, shared laundry room with storage area, 1 parking space in the garage (with more storage space) and one on the driveway. Don't miss the amazing back yard which benefits from years of loving care. Close to wonderful food options like Bombera, Sequoia Cafe, Dimond Slice, La Farine, Farmer Joe's and Peets. Also close are hiking trails, Dimond Pool, and the Dimond branch library. Easy access to transit routes. BART is about 1.5 miles away.