532 30th St #24
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
35% of that payment is not the mortgage. The HOA fee alone is $41,100 over five years — money that buys you no equity. A calculator that defaulted the fee to zero would have quoted you $2,600.
Not FHA-approved. No 3.5%-down FHA financing on this unit, so the realistic floor is a 5%-down conventional loan ($19,250). 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
🚩 Rising fast · +6.6%/yrReconstructed from 5 units of recorded sales at 532 30th St — every recorded sale carries its HOA fee and date. No listing site shows this.
These dues climbed 21% in 3 years — about +6.6%/yr across 5 units of recorded sales, well above inflation. A rise this steep is a leading signal of a special assessment, a drained reserve fund, or an insurance shock. The listing never shows it; the building's documents are where the "why" lives.
🏢 Get this building's full reserve & assessment report — free →✅ Positives
- In-unit W/D
- Garage parking
- Newer build (2005)
⚠️ Cons
- 13% above model fair value
- HOA $685/mo
🚩 Red flags
- Listed BELOW its 2017 sale ($465k) → value eroding
Photos
Price history (this unit)
- Sep 25, 2026 — Listed $385,000
- Oct 31, 2017 — Sold (Public Records) $465,000
- Jul 27, 2005 — Sold (Public Records) $396,000
Description
Discover elevated urban living in this stylish penthouse condominium at The Veranda, a boutique 27-unit community in Oakland's vibrant Pill Hill neighborhood. Featuring one spacious bedroom, one bathroom, soaring vaulted ceilings, and a skylight that fills the home with natural light, this residence offers an inviting blend of contemporary comfort and effortless city living. The open-concept layout welcomes you into a gourmet-style kitchen, where soaring vaulted ceilings and a skylight fill the space with natural light. Granite countertops, modern cabinetry, stainless steel appliances, a gas range, and a convenient breakfast bar create an inviting setting for everyday living. From here, the…