16451 Saratoga St Unit 306W
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
32% of that payment is not the mortgage. The HOA fee alone is $37,320 over five years — money that buys you no equity. A calculator that defaulted the fee to zero would have quoted you $3,030.
Not FHA-approved. No 3.5%-down FHA financing on this unit, so the realistic floor is a 5%-down conventional loan ($22,500). 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
We haven't reconstructed a multi-year fee history for this building yet. The listing shows $622/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 87 days → some leverage
- Upper floor (fl 3)
- Garage parking
⚠️ Cons
- 14% above model fair value
- HOA $622/mo
- Photos look dim — verify light in person
🚩 Red flags
Photos
Price history (this unit)
- Jun 28, 2018 — Sold (Public Records) $400,000
- Aug 17, 2001 — Sold (Public Records) $235,454
- Mar 30, 1994 — Sold (Public Records) $129,000
- Mar 12, 1990 — Sold (Public Records) $128,000
- Nov 30, 1988 — Sold (Public Records) $104,000
Description
Welcome to this bright, beautifully maintained top-floor end unit featuring breathtaking panoramic Bay views, abundant natural light, and exceptional privacy. The open-concept living and dining area offers a cozy fireplace and opens to a spacious private balcony- the perfect place to relax, entertain, or enjoy spectacular sunsets. The updated kitchen features modern lighting, ample cabinetry, and a functional layout for everyday living. The spacious primary bedroom includes a walk-in closet and an adjoining half bath for added comfort and convenience. Enjoy resort-style living with access to the community swimming pool in this pet-friendly neighborhood. Ideally located near Lake Chabot…