🏠 Stealpad
/
StealpadOakland, CAGrand Lake555 Jean St #319
555 Jean St #319 — 2 bd condo for sale in Grand Lake, Oakland
51Fair price

555 Jean St #319

Grand Lake, Oakland, CA · 94610
$395,000 ~at market (-3%)
2 bd · 1 ba · 802 sqft · $493/sf
HOA $899/mo · 🏢 fee history ↓ · Floor 3 · 8 days on market · built 1981
⚖️ Adjusted valueFairly pricedasking is 11% under fair value
Model fair value · 2 sold comps · ±13%$418,110
vs model fair value · size · beds/baths · age · HOA · location−6%
Condition · Avg / verify in person0
Price history · ≈31% below its peak−5%
📐 How this Deal Score was built51Fair price
Value gap · asking vs model fair value, after condition & price history+13.2
HOA burden · $899/mo = 2.73%/yr of price vs a 1.34% norm−11.1
Days on market · 8 days — not long enough to give you leverage0
Raw advantage · the three above, combined+2.1
Model confidence · weak — ±13% typical model error across 2 sold comps. The less certain the model, the harder the gap is pulled back toward neutral×0.6
Deal Score51/100

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

$3,406/mo all-in
20% down at 6.65% (this week's 30-year average) · mortgage + tax + insurance + HOA
Mortgage principal & interest$2,029
Property tax (1.30% effective)$428
Insurance (estimate)$50
HOA dues$899
Total monthly$3,406
Rough cash to close$88,875

40% of that payment is not the mortgage. The HOA fee alone is $53,940 over five years — money that buys you no equity. A calculator that defaulted the fee to zero would have quoted you $2,507.

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

3 recorded points

Reconstructed from 6 units of recorded sales at 555 Jean St — every recorded sale carries its HOA fee and date. No listing site shows this.

$5072022$5832025$6902026
$690/mo · 2026
+36% since 2022

We have a few recorded HOA fees for this building but not yet enough to call a reliable trend, so these are the raw points — no rate implied. Its documents fill in the reserve health and assessment risk.

🏢 Get this building's full reserve & assessment report — free →
✅ Positives
  • 31% below its 2018 peak
  • Upper floor (fl 3)
  • Garage parking
⚠️ Cons
  • HOA $899/mo
  • Only 1 bath
🚩 Red flags
  • Listed BELOW its 2019 sale ($539k) → value eroding

Photos

Price history (this unit)

Trough $80,000 Jan 27, 1987Now $395,000Peak $574,000 Oct 5, 2018
Current list price is 31% below its peak · +394% above its trough.
  • Aug 19, 2026 — Listed $395,000
  • Jan 3, 2019 — Sold (MLS) $539,000
  • Jan 3, 2019 — Sold (Public Records) $539,000
  • Oct 27, 2018 — Price Changed $539,000
  • Oct 5, 2018 — Listed $574,000
  • Feb 17, 2015 — Sold (MLS) $390,000

Description

Nestled in the desirable Rose Garden neighborhood, 555 Jean Street homes this spacious two-bedroom, one-bath condo offering privacy, convenience, and modern updates. Located on the first floor, it provides great accessibility.  This east-facing property receives great natural light and includes a spacious private patio for enjoyment. Tasteful updates to the kitchen and bathroom lend a clean, modern sensibility to the space. The thoughtful floor plan creates a seamless flow between the bedrooms, living areas, and outdoor space, making it ideal for entertaining or peaceful relaxation. Enjoy the community pool and pet-friendly environment or venture to nearby Grand Lake and Piedmont Avenue

More steals in Grand Lake

See all 6 condos in Grand Lake →