6465 San Pablo Ave Unit 3-2
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
32% of that payment is not the mortgage. The HOA fee alone is $52,200 over five years — money that buys you no equity. A calculator that defaulted the fee to zero would have quoted you $3,950.
Not FHA-approved. No 3.5%-down FHA financing on this unit, so the realistic floor is a 5%-down conventional loan ($29,444). 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 · +6.1%/yrReconstructed from 7 units of recorded sales at 6465 San Pablo Ave — every recorded sale carries its HOA fee and date. No listing site shows this.
These dues climbed 35% in 5 years — about +6.1%/yr across 7 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
- 96% below its 2016 peak
- On market 149 days → strong negotiating leverage
- In-unit W/D
- Garage parking
⚠️ Cons
- 12% above model fair value
- HOA $870/mo
- Ground floor
🚩 Red flags
Photos
Price history (this unit)
- May 15, 2026 — Listed $588,888
- Nov 9, 2017 — Sold (Public Records) $595,000
- Jun 29, 2016 — Sold (Public Records) $15,750,000
Description
Experience modern Bay Area living in this light-filled third-floor retreat, perfectly positioned on the vibrant Oakland/Emeryville border with effortless access to UC Berkeley. This beautifully maintained residence boasts an airy open floor plan and a private balcony, complemented by premier building amenities including secure entry, gated parking, and a spectacular rooftop deck featuring BBQ lounges and sweeping views of the San Francisco Bay. With a remarkable 93 Walk Score and 86 Bike Score, you are just steps from local favorites like Mujiri Sushi, Paradise Park Café, City Sports Club, and John Muir Health, and only one mile from Ashby BART for a seamless commute. Units in this coveted…