424 Orange St #401
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
28% of that payment is not the mortgage. The HOA fee alone is $62,160 over five years — money that buys you no equity. A calculator that defaulted the fee to zero would have quoted you $6,659.
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 ($556 in 2025), not enough for a trend yet. The listing shows $1,036/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
- Upper floor (fl 4)
- In-unit W/D
- Garage parking
- Low HOA (1.2%/yr)
⚠️ Cons
- 45% above model fair value
- HOA $1036/mo
🚩 Red flags
- Very high HOA $1036/mo (full-service high-rise)
- Listed BELOW its 2020 sale ($1100k) → value eroding
Photos
Price history (this unit)
- Oct 9, 2026 — Listed $998,000
- Apr 8, 2020 — Sold (MLS) $1,100,000
- Apr 8, 2020 — Sold (MLS) $1,100,000
- Apr 8, 2020 — Sold (Public Records) $1,100,000
- Feb 20, 2020 — Listed $899,000
- Feb 20, 2020 — Listed $899,000
Description
Rare penthouse in the heart of Adams Point where the entire top floor is reserved for its residents. No shared hallway, no neighbors on your level, just quiet, private, elevated living with the lock-and-leave simplicity of a condo and the seclusion of a house. At 1,400+ square feet, the residence lives more like a single-family home, with formal living and dining rooms, high ceilings, walls of windows, and gleaming Brazilian Walnut floors. The modern kitchen features clean lines, Thermador appliances, and bar seating. Sliders open onto a massive deck with views across Oakland and toward the hills, a true second living room for grilling, dining, and happy hour. Motorized shades let you…