5340 Broadway Ter #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 $48,720 over five years — money that buys you no equity. A calculator that defaulted the fee to zero would have quoted you $4,288.
Not FHA-approved. No 3.5%-down FHA financing on this unit, so the realistic floor is a 5%-down conventional loan ($32,000). 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%/yrReconstructed from 10 units of recorded sales at 5340 Broadway Ter — every recorded sale carries its HOA fee and date. No listing site shows this.
These dues climbed 26% in 4 years — about +6%/yr across 10 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
- On market 207 days → strong negotiating leverage
- Garage parking
⚠️ Cons
- 29% above model fair value
- HOA $812/mo
- Older building (1971)
🚩 Red flags
- Listed BELOW its 2020 sale ($725k) → value eroding
Photos
Price history (this unit)
- Jun 18, 2026 — Price Changed $640,000
- Mar 18, 2026 — Listed $675,000
- Mar 4, 2020 — Sold (MLS) $725,000
- Mar 4, 2020 — Sold (MLS) $725,000
- Mar 4, 2020 — Sold (Public Records) $725,000
- Jan 22, 2020 — Listed $675,000
Description
PRICE IMPROVED!! This condo is truly all about the views. From the private balcony, enjoy sweeping vistas of the San Francisco–Oakland Bay Bridge, the iconic Golden Gate Bridge, and the Richmond–San Rafael Bridge—a rare and stunning backdrop that captures the very best of the Bay Area. Perfectly situated in the heart of Rockridge, this home places you in one of Oakland’s most sought-after neighborhoods. You’re just moments from Claremont Country Club, the vibrant shops and dining along College Avenue, Temescal, and Piedmont Avenue. With convenient freeway access and Rockridge Bart Station nearby you’ll love the lifestyle this location offers. The unit features 965 square feet of living…