424 Staten #308
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 $51,720 over five years — money that buys you no equity. A calculator that defaulted the fee to zero would have quoted you $3,116.
Not FHA-approved. No 3.5%-down FHA financing on this unit, so the realistic floor is a 5%-down conventional loan ($24,650). 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
We haven't reconstructed a multi-year fee history for this building yet. We have one recorded fee on file ($854 in 2026), not enough for a trend yet. The listing shows $862/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 3)
- Garage parking
⚠️ Cons
- HOA $862/mo
- Older building (1963)
🚩 Red flags
Photos
Price history (this unit)
- Jul 22, 2026 — Listed $493,000
Description
Perched on the 3rd floor, only penthouse above, where city noise fades, this corner unit offers exactly the kind of life people spend years working toward: space that feels generous without being excessive, a neighborhood that rewards walking, and the rare peace of mind that comes from a home that's simply done right. Two bedrooms, two full bathrooms, 1,038 square feet of considered living space — and a covered private balcony that adds another 120 square feet of breathing room most Oakland condos simply can't offer. Step inside and new flooring runs underfoot. Oversized windows pull the outdoors in. The kitchen isn't just updated — it's been rebuilt with intention: white quartz