4902 Broadway #203
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
30% of that payment is not the mortgage. The HOA fee alone is $40,800 over five years — money that buys you no equity. A calculator that defaulted the fee to zero would have quoted you $3,968.
Not FHA-approved. No 3.5%-down FHA financing on this unit, so the realistic floor is a 5%-down conventional loan ($31,500). 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 ($680 in 2026), not enough for a trend yet. The listing shows $680/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
- Low HOA (1.3%/yr)
⚠️ Cons
- 30% above model fair value
- HOA $680/mo
🚩 Red flags
- Listed BELOW its 2017 sale ($735k) → value eroding
Photos
Price history (this unit)
- Aug 6, 2026 — Listed $630,000
- Jun 2, 2017 — Sold (Public Records) $735,000
- Mar 31, 2006 — Sold (Public Records) $559,500
Description
Located on one of Oakland's most pet-friendly blocks, this rarely available penthouse loft sits near the border of Piedmont one of the East Bay's most coveted neighborhoods. Unit #203 at Broadway Lofts features 1,068 sq ft of interior living space plus 557 sq ft of deeded private rooftop with sweeping 270-degree views of the San Francisco skyline, Downtown Oakland, and the Berkeley Hills, an outdoor living experience found at this price point virtually nowhere else in the East Bay. Inside, soaring 16-foot ceilings and an open floor plan create an airy, light-filled environment with skylights, freshly refinished hardwood floors, and a beautifully appointed kitchen. A flexible bonus space ups