4300-4304 West St
This is a commercial condo — business space that appears in the condo feed, not a home. Its $/sqft naturally sits far below residential units, so comparing it to condo comps would manufacture a spectacular fake discount. We don't score it at all.
💵What this unit actually costs per month
26% of that payment is not the mortgage. The HOA fee alone is $26,820 over five years — money that buys you no equity. A calculator that defaulted the fee to zero would have quoted you $4,017.
Not FHA-approved. No 3.5%-down FHA financing on this unit, so the realistic floor is a 5%-down conventional loan ($29,950). 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 ($447 in 2026), not enough for a trend yet. The listing shows $447/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
- Undervalued once condition & history are priced in
- On market 109 days → strong negotiating leverage
- Low HOA (0.9%/yr)
⚠️ Cons
- Older building (1917)
- Photos look dim — verify light in person
🚩 Red flags
- Commercial condo — business space, not a home; residential comps and the Deal Score do not apply
Photos
Price history (this unit)
- Jun 24, 2026 — Listed $599,000
- Jan 29, 2026 — Listed $599,000
- Jun 28, 2022 — Listed $675,000
Description
Location! Location! Location! Beautiful remodel in form + function by Joy Street Design and an expansive shared outdoor space makes this COMMERCIAL UNIT a RARE offering. Perfect for a business owner's use! Why rent when you can own? A full studio with a new kitchen and bath. Connected to a workspace with private offices. This corner unit with potential for live/work, plenty of open common space, and conference space in a mixed residential/commercial 4-unit condo complex is located on a leafy corner with good visibility and lots of light is an entrepreneur's dream! Walk Score 92; Bike Score 83. Less than 10minute flat walk to MacArthur BART (acc to Google), 3 blocks to Temescal shops &…