1132 Carpentier St #301
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 $34,620 over five years — money that buys you no equity. A calculator that defaulted the fee to zero would have quoted you $2,573.
Not FHA-approved. No 3.5%-down FHA financing on this unit, so the realistic floor is a 5%-down conventional loan ($19,400). 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 2026-11-05 — 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
6 recorded pointsReconstructed from 9 units of recorded sales at 1132 Carpentier 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
- Upper floor (fl 3)
- In-unit W/D
- Garage parking
⚠️ Cons
- HOA $577/mo
🚩 Red flags
Photos
Price history (this unit)
- Nov 5, 2026 — Listed $388,000
- Apr 26, 2013 — Sold (Public Records) $250,000
- May 24, 1988 — Sold (Public Records) $104,000
Description
Enjoy a spacious 1182 sf floor plan with a private balcony in an elevator-equipped building with garage parking. In-unit laundry adds everyday convenience, and HOA dues cover water and trash removal. Sunlit living with a covered balcony. The living room features a fireplace and opens to a spacious balcony. A window-side dining area has built-in cabinetry, and both bedrooms have mirrored closets. Located about minutes away from I-880 and I-580, near BART and the San Leandro Library, with easy access to downtown coffee shops, restaurants, schools, parks, and local venues.