730 29th St #210
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
36% of that payment is not the mortgage. The HOA fee alone is $35,580 over five years — money that buys you no equity. A calculator that defaulted the fee to zero would have quoted you $2,202.
Not FHA-approved. No 3.5%-down FHA financing on this unit, so the realistic floor is a 5%-down conventional loan ($16,245). 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
We haven't reconstructed a multi-year fee history for this building yet. We have one recorded fee on file ($680 in 2026), not enough for a trend yet. The listing shows $593/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
- 14% below model fair value
⚠️ Cons
- HOA $593/mo
- Older building (1931)
- Photos look dim — verify light in person
🚩 Red flags
- Listed BELOW its 2022 sale ($405k) → value eroding
Photos
Price history (this unit)
- Oct 8, 2026 — Listed $324,900
- Jul 4, 2022 — Sold (MLS) $405,000
- Jul 1, 2022 — Sold (Public Records) $405,000
- Apr 21, 2022 — Listed $395,000
- Jul 27, 2006 — Sold (Public Records) $317,000
- Feb 10, 2004 — Sold (Public Records) $253,500
Description
An excellent opportunity to own rather than rent! Welcome to 730 29th Street #210 in Oakland! This cute and inviting 1-bedroom loft-style condo offers a charming blend of urban living and contemporary style. Featuring dramatic high ceilings, exposed steel beams, expansive windows, and beautiful hardwood floors, this home boasts a bright, open, and airy atmosphere filled with natural light. The spacious open-concept living area flows seamlessly into a functional kitchen featuring modern cabinetry and stainless steel appliances. A loft-style storage area provides additional space for organization while maximizing the home's functionality. The industrial architectural details add a distinctive…