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Stealpad › Oakland, CA › Uptown › 850 W Grand Ave #17
850 W Grand Ave #17 — 1 bd condo for sale in Uptown, Oakland
61Fair price

850 W Grand Ave #17

Uptown, Oakland, CA · 94607
$599,900 ~at market (-11%)
1 bd · 2 ba · 1,613 sqft · $372/sf
HOA $754/mo · 🏢 fee history ↓ · Floor 1 · 45 days on market · built 2003
⚠️ HOA trap
⚖️ Adjusted valueFairly pricedasking is 11% under fair value
Model fair value · 43 sold comps · ±15%$648,726
vs model fair value · size · beds/baths · age · HOA · location−8%
Condition · Avg / verify in person0
Price history · ≈23% below its peak−3%
📐 How this Deal Score was built61Fair price
Value gap · asking vs model fair value, after condition & price history+13.2
HOA burden · $754/mo = 1.51%/yr of price vs a 1.33% norm−1.4
Days on market · 45 days — not long enough to give you leverage0
Raw advantage · the three above, combined+11.8
Model confidence · moderate — ±15% typical model error across 43 sold comps. The less certain the model, the harder the gap is pulled back toward neutral×0.8
Deal Score61/100

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

$4,777/mo all-in
20% down at 7.4% (this week's 30-year average) · mortgage + tax + insurance + HOA
Mortgage principal & interest$3,323
Property tax (1.30% effective)$650
Insurance (estimate)$50
HOA dues$754
Total monthly$4,777
Rough cash to close$134,978

30% of that payment is not the mortgage. The HOA fee alone is $45,240 over five years — money that buys you no equity. A calculator that defaulted the fee to zero would have quoted you $4,023.

Financing type

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 $754/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
  • On market 45 days → some leverage
  • In-unit W/D
  • Garage parking
⚠️ Cons
  • HOA $754/mo
  • Ground floor
  • Photos look dim — verify light in person
🚩 Red flags
  • Listed BELOW its 2021 sale ($750k) → value eroding

Photos

Price history (this unit)

Trough $459,000 Apr 29, 2003Now $599,900Peak $775,000 Nov 14, 2020
Current list price is 23% below its peak · +31% above its trough.
  • Aug 27, 2026 — Listed $599,900
  • Jan 28, 2021 — Sold (MLS) $750,000
  • Jan 28, 2021 — Sold (Public Records) $750,000
  • Nov 14, 2020 — Listed $775,000
  • Jun 21, 2005 — Sold (Public Records) $504,000
  • Aug 14, 2003 — Sold (MLS) $470,000

Description

This condo features an open space one bedroom loft , two bathrooms, floor to ceiling windows , gas fireplace , 1613 sq uare feet, end unit with patio ,view and skylight s. Updated kitchen granite counters and breakfast bar, stainless steel appliances, in unit washer and dryer, and parking . “This property is eligible under the Freddie Mac First Look Initiative through 09/26/26. Property sold in "as is" condition

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