850 W Grand Ave #14
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
33% of that payment is not the mortgage. The HOA fee alone is $44,940 over five years — money that buys you no equity. A calculator that defaulted the fee to zero would have quoted you $3,222.
FHA approval has expired on this project. An FHA buyer cannot use it today, and the fact that it once qualified and then stopped is worth asking the board about. Plan on a conventional loan — 5% down at the very least.
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 ($752 in 2026), not enough for a trend yet. The listing shows $749/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
- 25% below model fair value
- In-unit W/D
- Garage parking
⚠️ Cons
- HOA $749/mo
- Ground floor
- Photos look dim — verify light in person
🚩 Red flags
Photos
Price history (this unit)
- Sep 10, 2026 — Listed $479,000
- Mar 14, 2008 — Sold (MLS) $445,000
- Mar 12, 2008 — Sold (Public Records) $445,000
- Jan 4, 2008 — Listed $459,000
- Oct 20, 2003 — Sold (MLS) $415,000
- Jul 1, 2003 — Listed $429,000
Description
THE FEELING: Soaring ceilings, floor-to-ceiling windows, and sweeping views of San Francisco, the Bay Bridge, and downtown Oakland — all from the top floor of one of West Oakland's most architecturally distinctive buildings. A sophisticated urban retreat at the epicenter of the creative and tech hub. THE LOFT: 1 Bedroom, 2 Bathrooms, 1,574 SQFT. Hardwood and concrete floors, industrial-style finishes, and a gas fireplace on the open lower level. Mezzanine bedroom overlooking the common area with a very large walk-in closet and full bath. In-unit laundry. Dedicated garage parking with storage cage. Secure entry with intercom and fire sprinkler system. Separate utility meters. THE HEART OF…