901 Jefferson St #108
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 $40,320 over five years — money that buys you no equity. A calculator that defaulted the fee to zero would have quoted you $2,765.
Not FHA-approved. No 3.5%-down FHA financing on this unit, so the realistic floor is a 5%-down conventional loan ($20,500). 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 3 units of recorded sales at 901 Jefferson 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
- Newer build (2009)
⚠️ Cons
- 11% above model fair value
- HOA $672/mo
- Ground floor
🚩 Red flags
- HOA rising ~8%/yr in this building ($448/mo in 2021 → $672)
- Listed BELOW its 2021 sale ($485k) → value eroding
Photos
Price history (this unit)
- Sep 3, 2026 — Listed $410,000
- May 13, 2021 — Sold (MLS) $485,000
- Mar 9, 2021 — Listed $485,000
Description
Urban loft living in the heart of Old Oakland. This striking two-level residence combines dramatic loft architecture with a thoughtful, functional layout in one of Oakland's most desirable urban locations. Step inside to soaring ceilings, polished concrete floors, exposed architectural details and oversized windows that fill the main living space with natural light. The modern kitchen features sleek two-tone cabinetry and Bosch stainless steel appliances, opening naturally to the living and dining areas. The two-level design creates a natural separation between living and sleeping spaces, with a full bathroom on each floor for added flexibility. Upstairs, the spacious loft level includes…