16006 E 14th St #218
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 $34,980 over five years — money that buys you no equity. A calculator that defaulted the fee to zero would have quoted you $2,103.
Not FHA-approved. No 3.5%-down FHA financing on this unit, so the realistic floor is a 5%-down conventional loan ($15,500). 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
3 recorded pointsReconstructed from 8 units of recorded sales at 16006 E 14th 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
- On market 173 days → strong negotiating leverage
⚠️ Cons
- HOA $583/mo
🚩 Red flags
Photos
Price history (this unit)
- Apr 22, 2026 — Listed $310,000
- Mar 12, 2021 — Sold (MLS) $310,000
- Mar 10, 2021 — Sold (Public Records) $310,000
- Dec 23, 2020 — Listed $310,000
Description
Discover this charming 1-bedroom, 1-bathroom condo located at 16006 E 14th St, offering a fantastic entry point into Bay Area homeownership. This well-maintained unit features a functional and spacious layout, providing a wonderful opportunity for a buyer to add fresh personal touches and cosmetic updates over time. Located just blocks from the Bay Fair Center, you will enjoy effortless access to a wide array of shopping, dining, and entertainment options. For the daily commuter, the proximity to major freeway entrances and the Bay Fair BART station is unbeatable, making travel across the East Bay and into San Francisco simple and direct. Enjoy the ease of living in a central location where…