320 Caldecott #120
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
39% of that payment is not the mortgage. The HOA fee alone is $48,000 over five years — money that buys you no equity. A calculator that defaulted the fee to zero would have quoted you $2,335.
Not FHA-approved. No 3.5%-down FHA financing on this unit, so the realistic floor is a 5%-down conventional loan ($17,250). 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 ($847 in 2026), not enough for a trend yet. The listing shows $800/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
- 33% below its 2023 peak
⚠️ Cons
- HOA $800/mo
- Ground floor
- Photos look dim — verify light in person
🚩 Red flags
- Listed BELOW its 2023 sale ($515k) → value eroding
Photos
Price history (this unit)
- Oct 11, 2024 — Rental Removed $2,500
- Oct 2, 2024 — Listed for Rent $2,500
- May 22, 2023 — Sold (MLS) $515,000
- May 22, 2023 — Sold (Public Records) $515,000
- Apr 14, 2023 — Listed $515,000
- Feb 4, 2019 — Sold (MLS) $452,000
Description
AUCTION-Opportunity in Oakland! This 1-bedroom, 1-bath condominium at 320 Caldecott Lane #120 offers a convenient and functional floor plan within a gated community featuring controlled keypad entry. Ideally situated with convenient access to shopping, dining, transportation and major commute routes