3110 Adeline St #127
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
28% of that payment is not the mortgage. The HOA fee alone is $36,840 over five years — money that buys you no equity. A calculator that defaulted the fee to zero would have quoted you $4,057.
Not FHA-approved. No 3.5%-down FHA financing on this unit, so the realistic floor is a 5%-down conventional loan ($30,250). 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 ($614 in 2026), not enough for a trend yet. The listing shows $614/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
- On market 73 days → some leverage
- Low HOA (1.2%/yr)
⚠️ Cons
- HOA $614/mo
- Ground floor
- Photos look dim — verify light in person
🚩 Red flags
Photos
Price history (this unit)
- Jul 30, 2026 — Listed $605,000
- Dec 15, 2016 — Sold (MLS) $3,500
- Dec 15, 2016 — Sold (MLS) $3,500
- Nov 13, 2016 — Listed $630,000
- Nov 12, 2016 — Listed $630,000
- Dec 24, 2012 — Sold (Public Records) $232,500
Description
Custom, Steel Works Loft by David Baker Architects design, converted & built in 2004. Close to Emeryville border, in West Oakland Corridor, close access to BART, Bay Bridge toll, and central downtown Oakland. Loft is a 3 level townhouse style, soaring 19' ceilings looking out to a private, fenced yard. 2 Large Skylights, which add even more natural light in conjunction with gigantic view Window Systems. 2 beds- 2 full baths are separated by the middle floor, for ultimate privacy. Large side by side washer dryer- stainless steel gas stove, hood, microwave and refrigerator- multiple skylights- bottom floor with gated rear yard access- vaulted ceilings with spiral staircase leading to master…