6501 San Pablo Ave #407
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
31% of that payment is not the mortgage. The HOA fee alone is $37,320 over five years — money that buys you no equity. A calculator that defaulted the fee to zero would have quoted you $3,340.
Not FHA-approved. No 3.5%-down FHA financing on this unit, so the realistic floor is a 5%-down conventional loan ($26,450). 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
We haven't reconstructed a multi-year fee history for this building yet. We have one recorded fee on file ($620 in 2026), not enough for a trend yet. The listing shows $622/mo today. Upload its HOA docs and we'll build the full reserve & special-assessment report — free.
🏢 Get this building's free HOA report →✅ Positives
- Upper floor (fl 4)
- In-unit W/D
- Garage parking
- Low HOA (1.4%/yr)
⚠️ Cons
- HOA $622/mo
- Photos look dim — verify light in person
🚩 Red flags
- Listed BELOW its 2016 sale ($605k) → value eroding
Photos
Price history (this unit)
- Aug 23, 2026 — Listed $529,000
- Dec 19, 2016 — Sold (MLS) $605,000
- Dec 19, 2016 — Sold (Public Records) $605,000
- Dec 7, 2016 — Price Changed $579,000
- Nov 9, 2016 — Price Changed $589,000
- Oct 5, 2016 — Price Changed $599,000
Description
Set on the upper floors, this 1-bedroom, 1.5-bath residence offers approximately 1,216 square feet of bright, flexible living space with oversized windows that frame sweeping views toward the Oakland and Berkeley hills. The main level is made for both living and entertaining, with warm hardwood floors and an open-concept layout connecting the living room, dining area and contemporary kitchen. Stainless steel appliances, a gas range, and modern cabinetry give the kitchen a clean and urban feel. Head upstairs and the home continues to shine. The loft-style upper level creates a flexible retreat with a spacious bedroom plus plenty of room to carve out a home office, den, or workout space. Large