675 8th St #16
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
34% of that payment is not the mortgage. The HOA fee alone is $48,360 over five years — money that buys you no equity. A calculator that defaulted the fee to zero would have quoted you $3,355.
Not FHA-approved. No 3.5%-down FHA financing on this unit, so the realistic floor is a 5%-down conventional loan ($24,950). 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
2 recorded pointsReconstructed from 5 units of recorded sales at 675 8th 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
- In-unit W/D
- Garage parking
⚠️ Cons
- HOA $806/mo
- Ground floor
🚩 Red flags
Photos
Price history (this unit)
- Aug 4, 2003 — Sold (MLS) $369,000
- May 21, 2003 — Listed $379,000
Description
Set in historic Old Oakland between Jack London Square and Downtown, this split-level loft combines industrial character with modern design and sweeping Oakland skyline views. Soaring 18-foot ceilings, concrete floors, custom lighting, and thoughtfully selected finishes create a spacious, light-filled interior with a distinctly urban feel. The two-bedroom, two-bath floor plan offers flexibility for both living and working, with a private primary suite and a second bedroom suited for guests or a home office. The open kitchen features high-end appliances, custom cabinetry, and generous counter space, while the private balcony provides a front-row view of the Oakland skyline. In-unit laundry…