6465 San Pablo Ave Unit 3-3
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
35% 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 $3,470.
Not FHA-approved. No 3.5%-down FHA financing on this unit, so the realistic floor is a 5%-down conventional loan ($27,500). 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 2026-08-20 — 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
🚩 Rising fast · +6.1%/yrReconstructed from 6 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 6 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
- 97% below its 2016 peak
- In-unit W/D
- Garage parking
- Newer build (2008)
⚠️ Cons
- HOA $870/mo
- Ground floor
🚩 Red flags
- Listed BELOW its 2017 sale ($620k) → value eroding
Photos
Price history (this unit)
- Jul 23, 2026 — Listed $550,000
- Mar 10, 2017 — Sold (Public Records) $620,000
- Jun 29, 2016 — Sold (Public Records) $15,750,000
Description
Spacious, light-filled corner unit, 2-bed, 2-bath NOBE condo with an exclusive-use balcony and a shared roof top deck with a scenic view of Oakland and SF, communal seating, BBQ, bar and TV. The thoughtfully appointed kitchen features sleek Bosch finishes, and ample storage. Tile and laminate floors and newly installed carpet (July 2026) add warmth throughout the home, while an energy-efficient heat pump furnace system ensures year-round comfort. In-unit laundry and a deeded parking space in an enclosed, gated garage. Ideally located in the vibrant NOBE neighborhood at the crossroads of North Oakland, Berkeley, and Emeryville, this home is just minutes from local favorites, including Berkele