3877 Howe St #108
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
36% of that payment is not the mortgage. The HOA fee alone is $29,280 over five years — money that buys you no equity. A calculator that defaulted the fee to zero would have quoted you $1,909.
Not FHA-approved. No 3.5%-down FHA financing on this unit, so the realistic floor is a 5%-down conventional loan ($14,950). 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 2026-08-20 — 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 pointsReconstructed from 8 units of recorded sales at 3877 Howe St — 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
- 29% below its 2016 peak
- Garage parking
⚠️ Cons
- Older building (1964)
- Ground floor
🚩 Red flags
- Listed BELOW its 2017 sale ($380k) → value eroding
Photos
Price history (this unit)
- Aug 6, 2026 — Listed $299,000
- Aug 5, 2026 — Listed $299,000
- Feb 9, 2017 — Sold (MLS) $380,000
- Feb 9, 2017 — Sold (Public Records) $380,000
- Dec 7, 2016 — Price Changed $399,000
- Nov 18, 2016 — Listed $419,000
Description
Welcome to 3877 Howe Street #108, a spacious 1-bedroom, 1-bath condo in the heart of Oaklands highly desirable Piedmont Avenue neighborhood. This inviting residence features LVT flooring, generous storage closets, a dedicated parking space, and an additional secure storage locker. The well-maintained building offers elevator access and a strong, established HOA. Step outside to enjoy the best of Piedmont Avenue, with its popular cafés, restaurants, bookstores, boutiques, and neighborhood charm just moments away. Kaiser Permanente Oakland Medical Center and Morcom Rose Garden are nearby, while Temescal and Rockridge are just minutes away. Commuters will appreciate easy access to BART,