3858 Maybelle Ave
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
34% of that payment is not the mortgage. The HOA fee alone is $38,700 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
We haven't reconstructed a multi-year fee history for this building yet. We have one recorded fee on file ($660 in 2026), not enough for a trend yet. The listing shows $645/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
- 20% below model fair value
- On market 87 days → some leverage
⚠️ Cons
- HOA $645/mo
🚩 Red flags
- Listed BELOW its 2024 sale ($500k) → value eroding
Photos
Price history (this unit)
- Jul 16, 2026 — Listed $475,000
- Jul 3, 2026 — Rental Removed $3,600
- May 31, 2026 — Listed for Rent $3,600
- Feb 20, 2024 — Sold (MLS) $500,000
- Feb 20, 2024 — Sold (Public Records) $500,000
- Dec 15, 2023 — Listed $525,000
Description
Tucked toward the back of Oakland’s Laurel District, this bright two-story townhouse-style condo gives you the best kind of balance: close to the neighborhood, but tucked away enough to feel like you have your own little retreat. With 2 spacious bedrooms, 1.5 bathrooms, and a functional layout that feels more like a home than a typical condo, this one keeps things comfortable, practical, and easy to love. One of the biggest highlights is the private expanded redwood deck unique to this home within the community. Framed by taller fencing for added privacy, it gives you the kind of outdoor space that is hard to find in a condo or smaller apartment. There is room to lounge, dine, garden, or…