44Priced high

330 Vernon St #111

Adams Point, Oakland, CA · 94610

$365,000 ~at market (+0%)

1 bd · 1 ba · 604 sqft · $604/sf

HOA $494/mo · 🏢 fee history ↓ · Floor 1 · 47 days on market

View on Redfin ↗🏢 This building's HOA ↓

⚖️ Adjusted valueFairly pricedasking is +4% over fair value

Model fair value · 3 sold comps · ±13%$329,131

vs model fair value · size · beds/baths · age · HOA · location+11%

Condition · Fully renovated kitchen & bath−2%

Price history · ≈100% below its peak−5%

📐 How this Deal Score was built44Priced high

Value gap · asking vs model fair value, after condition & price history−4.8

HOA burden · $494/mo = 1.62%/yr of price vs a 1.34% norm−2.3

Days on market · 47 days — not long enough to give you leverage0

Raw advantage · the three above, combined−7.1

Model confidence · moderate — ±13% typical model error across 3 sold comps. The less certain the model, the harder the gap is pulled back toward neutral×0.8

Deal Score44/100

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

$2,814/mo all-in

20% down at 6.65% (this week's 30-year average) · mortgage + tax + insurance + HOA

Mortgage principal & interest$1,875

Property tax (1.30% effective)$395

Insurance (estimate)$50

HOA dues$494

Total monthly$2,814

Rough cash to close$82,125

33% of that payment is not the mortgage. The HOA fee alone is $29,640 over five years — money that buys you no equity. A calculator that defaulted the fee to zero would have quoted you $2,320.

Financing type

Not FHA-approved. No 3.5%-down FHA financing on this unit, so the realistic floor is a 5%-down conventional loan ($18,250). 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

Adjust the down payment & rate →Compare your Loan Estimates →

Rate is the Freddie Mac PMMS 30-year average for the week of 2026-08-20 — 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 points

Reconstructed from 6 units of recorded sales at 330 Vernon St — every recorded sale carries its HOA fee and date. No listing site shows this.

$632/mo · 2026

+9% since 2025

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 →