321 Warwick Ave #303
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 $48,660 over five years — money that buys you no equity. A calculator that defaulted the fee to zero would have quoted you $2,692.
Not FHA-approved. No 3.5%-down FHA financing on this unit, so the realistic floor is a 5%-down conventional loan ($19,950). 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
2 recorded pointsReconstructed from 1 unit of recorded sales at 321 Warwick Ave — 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
- Upper floor (fl 3)
- Garage parking
⚠️ Cons
- HOA $811/mo
- Older building (1966)
🚩 Red flags
Photos
Price history (this unit)
- Sep 3, 2026 — Listed $399,000
- Apr 24, 2025 — Sold (MLS) $395,000
- Apr 24, 2025 — Sold (Public Records) $395,000
- Mar 5, 2025 — Price Changed $395,000
- Jan 17, 2025 — Price Changed $419,000
- Dec 9, 2024 — Listed $436,000
Description
Welcome to 321 Warwick Avenue #303, a sophisticated and thoughtfully updated one-bedroom, one-bathroom condominium in Oakland’s sought-after Adams Point neighborhood. Offering 936 square feet of well-proportioned living space, this upper-floor corner residence enjoys an open, airy feel, attractive views, and the privacy of having no residence above. The recently remodeled kitchen features contemporary finishes, modern fixtures, and generous counter space, opening directly to an expansive living and dining area. With room for both comfortable entertaining and a dedicated work-from-home space, the floor plan offers uncommon flexibility for a one-bedroom home. Large windows fill the interior…