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655 Chetwood St APT 203, Oakland, CA, 94610

1beds
1baths
880sqft
$425,000
$483price/sqft
$3,155/moest. monthly cost
$126,200/yrincome needed

About This Home

Tucked away on a quiet dead-end street in Oakland’s sought-after Rose Garden neighborhood, this beautifully updated one bedroom, one bathroom condo offers comfort, style, and exceptional privacy. Located on the second floor with no unit below, this home provides a rare sense of tranquility. Step inside to discover a thoughtfully refreshed interior featuring modern finishes and an inviting, open layout. The living and dining areas flow seamlessly, anchored by a cozy fireplace that creates a warm focal point—ideal for both relaxing and entertaining. Large sliding doors lead to a private balcony, perfect for morning coffee or unwinding at the end of the day. The kitchen has been tastefully updated with stainless steel appliances and contemporary touches, while wood-style floors run throughout the home, adding warmth and continuity. The spacious bedroom offers ample closet space and natural light, and the bathroom is equally well-appointed with stylish upgrades. Recently repainted throughout, the home feels fresh, bright, and move-in ready. Additional highlights include in-unit laundry, secure parking equipped with car chargers and interior access, and a well-maintained building. All of this just 5 doors down from the scenic Morcom Rose Garden and moments from local shops, dining, and commuter routes. A rare opportunity to own a peaceful retreat in one of Oakland’s most charming neighborhoods.

Getting Around

85
WalkingVery Walkable
53
TransitGood Transit
60
BikeBikeable

Schools

2/10
Westlake Middle SchoolGrades 6-80.8 mi
8/10

Construction

Condition

  • Property condition: Existing
  • Year built: 1982

Materials

  • Foundation: Other
  • Roof: Unknown
  • Construction materials: Stucco

Type & Style

  • Home type: Condo
  • Architectural style: Contemporary
  • Property subType: Residential,Condominium

Interior

Appliances

  • Appliances included: Dishwasher,Electric Range,Microwave,Refrigerator,Dryer,Washer
  • Laundry features: Laundry Room,In Unit

Bathroom

  • Features: Stall Shower,Updated Baths,Stone

Bedrooms & Bathrooms

  • Bedrooms: 1
  • Bathrooms: 1
  • Full bathrooms: 1

Features

  • Elevator,Updated Kitchen
  • Flooring: Laminate,Tile
  • Number of fireplaces: 1
  • Fireplace features: Living Room,Wood Burning
  • Fireplace: Yes

Heating & Cooling

  • Heating features: Baseboard
  • Cooling features: None

Interior Area

  • Total structure area: 880
  • Total interior livable area: 880 sqft

Kitchen

  • Features: 220 Volt Outlet,Stone Counters,Dishwasher,Electric Range/Cooktop,Disposal,Microwave,Refrigerator,Updated Kitchen

Property

Details

  • Parcel number: 1083191
  • Special condition: Standard

Features

  • Levels: One
  • Stories: 1
  • Pool features: None
  • Has view: Yes
  • View description: Hills,Partial

Lot

  • Lot size: 0.26 Acres
  • Features: Level,No Yard

Parking

  • Total spaces: 1
  • Parking features: Garage,Direct Access,Below Building Parking,Electric Vehicle Charging Station(s),Garage Door Opener
  • Has garage: Yes
  • Attached garage spaces: 1
  • Covered spaces: 1

Climate Risk is Financial Risk

Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.

Biggest Threats for This Home

  • Earthquake
    EarthquakeVery High
  • Heat Wave
    Heat WaveModerate
  • Inland Flooding
    Inland FloodingModerate

How This Home’s Risks Compare

Earthquake
Heat Wave
Inland Flooding

FEMA Declared Disasters in Alameda County and California

Earthquake
Flood
Mud Landslide
Severe Ice Storm
Severe Storm
Straight Line Winds
Tropical Storm
Winter Storm

Understanding the Costs

Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.

Estimated Costs Today

MonthlyAnnual
Mortgage $2,149$25,788
Home Insurance *$81$972
Property Taxes $527$6,324
Electricity $398$4,786
Total$3,155$37,860
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$108,171/yr
40% on housing$94,650/yr
45% on housing$84,133/yr

California FAIR Plan Programs

California FAIR Plan Association

Covered
WildfireWildfire
Visit Website →
Current Policies
Residential: 417,310Commercial: 13,990
Total Premiums$1.42B
Total Exposure$429.84B

How Costs Could Change Over Time

Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.

Insurance Growth Rate5-year average: 6.9%
6.9%
0%30.0%
Electricity Growth Rate10-year average: 4.3%
4.3%
0%15.0%
Property Taxes Growth Rate2-year average: 2.0%
2.0%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$483This listing

vs Other Active Listings

Avg $/sqft

ZIP 94610$474
Alameda County$497

vs Homes Sold Last Month

Median $/sqft

ZIP 94610$784
Alameda County$664

Current Market Trends

Median Price Per Square Foot

The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.

Historicals for This Listing

Zestimate History ($/sqft)

Price History

DateEventPrice
2026-05-02Listed for sale$425,000
2020-03-13Sold$650,000
2019-02-21Sold$410,000

For Sale by Agent

AgentSimon Motley
BrokerageCompass

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