130 Garrard , Richmond, CA 94801
$165,000
Est. Payment: $905.58/mo
2 Bed
1 Bath
781 Sqft
Status: Active | Days on site: 209
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House Description

A rare opportunity to make a home in the Bay Area for just $199,000. Welcome to Atchison Village, a historic, resident-owned housing cooperative where an unconventional ownership model has helped preserve affordability for generations. This sunny two-bedroom home offers hardwood floors, windows on three sides, and a comfortable, efficient layout with wonderful natural light throughout the day. Outside, a private fenced backyard with a mature lemon tree creates your own garden retreat, while assigned parking adds everyday convenience. Conveniently located close to downtown, Point Richmond, local shops, restaurants, and major freeways for easy commuting. Keller Beach State Park is just two miles away offering a swimming beach, hiking trails, scenic bike rides, and picnic areas by the water. Point Richmond, only one and a half miles away, features a library, post office, and the Richmond Plunge. Built during WWII for Richmond shipyard workers, Atchison Village is a unique garden-style community with a remarkable history and a cooperative model that continues today. Rather than purchasing an individual parcel with a traditional deed, buyers purchase a membership share in the nonprofit Atchison Village Mutual Homes Corporation, providing the exclusive right to occupy their home. The $602 monthly assessment includes property taxes, water, sewer, garbage and cooperative maintenance responsibilities—making ongoing housing costs unusually approachable by Bay Area standards. Because of the cooperative ownership structure, conventional mortgage financing is not available and substantial cash is required. Prospective members are subject to cooperative approval. Two bedrooms, a private backyard and a place to call your own—all at a price point that has nearly disappeared from the Bay Area. *2026 new hot water heater and new heater installed, fresh paint throughout! Furnishings are computer-generated; buyer to verify accuracy/scale.

Highlights

Listed by Sara St Martin Lynne , 415-336-2747 Red Oak Realty , 510-527-9111. CRMLS/Multi-Regional MLS mls logo

Property Type

Condo/Townhome

HOA Fee

602 Monthly

Year Built

1942

County

Contra Costa

Neighborhood

Atchison Village

Listing ID

41124526

Questions about this listing?

Contact Agent

Interior Features

Bedrooms and Bathrooms
  • ▪ Bedrooms:2
  • ▪ Bathrooms:1
  • ▪ Full Bathrooms:1
Floor:Tile,Wood

Exterior Features

Lot:Back Yard,Cul-De-Sac,No Land Lease
Garage Capacity:1
Roof:Shingle
Others:
  • ▪ Additional:Wood Siding
Parking Features:One Space
Principal Interest
$906
Taxes
$105
HOA
$602

Home Price

$165,000

Loan Details

30 yrs
7.307%

Down Payment

20%
$33,000
All calculations are estimates and provided by Blueroof360. Today’s Rates provided by Blueroof360. Information and interactive calculators are made available to you only as self-help tools for your independent use and are not intended to provide investment or tax advice. We cannot and do not guarantee their applicability or accuracy in regards to your individual circumstances. All examples are hypothetical and are for illustrative purposes. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues.
Monthly Price:
$905.58

Principal

Taxes

HOA

Principal Taxes HOA Total
Monthly $905.58 $105.19 $602.00 $1,612.77
Yearly $10,866.98 $1,262.25 $7,224.00 $19,353.23
Total $326,009.39 $37,867.50 $216,720.00 $580,596.89

Today's Rates

30 Year

7.31%

20 Year

7.2%

15 Year

6.65%

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Market insight data is pulled from the same city as the listing being viewed (Richmond, CA).

The schools listed are within a 2-mile radius of the property; however, attendance is not guaranteed. Please contact the local school district to confirm zoning and enrollment options.

Based on information from California Regional Multiple Listing Service, Inc. This information is for your personal, non-commercial use and may not be used for any purpose other than to identify prospective properties you may be interested in purchasing. Display of MLS data is usually deemed reliable but is NOT guaranteed accurate by the MLS. Buyers are responsible for verifying the accuracy of all information and should investigate the data themselves or retain appropriate professionals. Information from sources other than the Listing Agent may have been included in the MLS data. Unless otherwise specified in writing, Broker/Agent has not and will not verify any information obtained from other sources. The Broker/Agent providing the information contained herein may or may not have been the Listing and/or Selling Agent. All properties are subject to prior sale, change or withdrawal.

IDX service by Blueroof 360

Data last updated: 2026-10-03T21:11:42.000Z

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