585 9th St #441
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 $28,020 over five years — money that buys you no equity. A calculator that defaulted the fee to zero would have quoted you $2,692.
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
✅ Fairly steady · +5.1%/yrReconstructed from 10 units of recorded sales at 585 9th St — every recorded sale carries its HOA fee and date. No listing site shows this.
These dues have held relatively steady (about +5.1%/yr over 3 years across 10 units) — a good sign. Only the reserve study confirms the building is keeping up with its big-ticket repairs.
🏢 Get this building's full reserve & assessment report — free →✅ Positives
- Upper floor (fl 4)
- In-unit W/D
- Garage parking
- Low HOA (1.4%/yr)
⚠️ Cons
- 14% above model fair value
🚩 Red flags
Photos
Price history (this unit)
- Mar 13, 2025 — Rental Removed $2,150
- Mar 3, 2025 — Listed for Rent $2,150
Description
Enjoy the urban lifestyle in this conveniently located Old Oakland/Downtown Oakland condo. Market Square is just steps away (Walk Score = 91) from a vibrant restaurant scene, Swan's Market, and Friday Farmer's Market, with close access to major freeways (580/880/980/24), and a short walk to 12th Street BART. Come home to this beautiful, light-filled 1 bedroom 1 bath with stone countertops, in-unit washer/dryer, and 1 garage parking space with EV charger. Building amenities include a gym, sauna, steam room, business center with conference room, and roof deck with BBQ.