555 Jean St #528
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
41% of that payment is not the mortgage. The HOA fee alone is $41,400 over five years — money that buys you no equity. A calculator that defaulted the fee to zero would have quoted you $1,947.
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 pointsReconstructed from 6 units of recorded sales at 555 Jean St — every recorded sale carries its HOA fee and date. No listing site shows this.
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
- Cheapest of 10 tracked in Lake Merritt
- 20% below model fair value
- Upper floor (fl 5)
- Garage parking
⚠️ Cons
- HOA $690/mo
- Older building (1971)
- Photos look dim — verify light in person
🚩 Red flags
Photos
Price history (this unit)
- Aug 5, 2026 — Listed $305,000
- May 8, 2025 — Rental Removed $1,695
- May 2, 2025 — Listed for Rent $1,695
- Mar 14, 2024 — Rental Removed $1,695
- Feb 25, 2024 — Rental Removed $1,695
- Feb 2, 2024 — Price Changed $1,695
Description
Welcome home to the desirable Jean Terrace community in Oakland's Lake Merritt District. A 1 bedroom, 1 bathroom, 622 sf, move in ready home offering a well designed floor plan, with the most serene neighborhood and city views. The interior of the home features a stylishly updated kitchen with granite countertops and updated appliances, complemented by engineered hardwood flooring, mirrored closet doors, and updated finishes. Community residents enjoy resort style amenities, including an in ground pool, relaxing sauna, secure gated entry and secure below building gated parking. Perfectly situated for urban living, as you are just steps from Lake Merritt, the vibrant Grand Avenue corridor,