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1340 Clay St Unit 603, San Francisco, CA, 94109

2beds
2baths
1,705sqft
$1,499,000
$879price/sqft
$10,155/moest. monthly cost
$406,200/yrincome needed

About This Home

Located at the pinnacle of prestigious Nob Hill, The Montaire is a luxury boutique condominium comprising only 20 homes, providing residents with outstanding privacy, comfort, security, and an elevated city lifestyle. Sophisticated and spacious, Residence 603 features a gracious foyer that opens to an expansive living and dining room punctuated by a wood-burning fireplace, creating an inviting setting for both everyday living and grand-scale entertaining. Floor-to-ceiling windows flood the home with natural light and capture the verdant outlooks. The thoughtfully designed kitchen features granite countertops, custom cabinetry, stainless steel appliances, a charming breakfast area, and in-unit laundry. The serene primary suite serves as a luxurious retreat, complete with a spacious walk-in closet, a linen closet, a balcony, and an elegant marble bath featuring a soaking tub, a separate shower, a dual-sink vanity, and an enclosed water closet. A versatile second bedroom is ideally suited as a guest suite, home office, or den, and is complemented by a second beautifully appointed marble bath and balcony. The home enjoys views of The Montaire's magnificent, colorful, European-themed trompe l'oiel mural. Additional amenities include two-car deeded parking, dedicated storage, an elegant lobby, a convenient porte-cochere, and 24-hour security. Ideally located in San Francisco's classic Nob Hill neighborhood, this exceptional residence offers the very best of San Francisco living, with renowned hotels, acclaimed restaurants, Grace Cathedral, and the picturesque Huntington Park.

Getting Around

98
WalkingWalker's Paradise
99
TransitRider's Paradise
63
BikeBikeable

Schools

7/10
Marina Middle SchoolGrades 6-81.3 mi
7/10
Galileo High SchoolGrades 9-120.9 mi

Construction

Condition

  • Year built: 1991

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Disposal,Double Oven,Gas Cooktop,Range Hood,Microwave,Washer/Dryer Stacked
  • Laundry features: In Kitchen

Bathroom

  • Features: Stone, Tile, Tub w/Shower Over

Bedroom1

  • Area: 0

Bedroom2

  • Area: 0

Bedroom3

  • Area: 0

Bedroom4

  • Area: 0

Bedrooms & Bathrooms

  • Bedrooms: 2
  • Bathrooms: 2
  • Full bathrooms: 2

Dining Room

  • Features: Dining/Living Combo
  • Level: Main
  • Area: 0

Family Room

  • Area: 0

Features

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

Heating

  • Heating features: Electric,Fireplace(s),Radiant

Interior Area

  • Total structure area: 1,705
  • Total interior livable area: 1,705 sqft

Kitchen

  • Features: Breakfast Area, Granite Counters
  • Level: Main
  • Area: 0

Living Room

  • Level: Main
  • Area: 0

Master Bathroom

  • Features: Double Vanity, Shower Stall(s), Soaking Tub, Stone, Tile

Master Bedroom

  • Features: Balcony, Closet, Walk-In Closet
  • Area: 0

Property

Details

  • Parcel number: 0215043
  • Attached to another structure: Yes
  • Special condition: Standard

Features

  • Levels: One

Lot

  • Lot size: 0.30 Acres

Parking

  • Total spaces: 2
  • Parking features: Attached,Enclosed,Garage Door Opener,Side By Side,Independent,On Site - Mapped (Condo Only)
  • Has garage: Yes

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
  • Inland Flooding
    Inland FloodingModerate

How This Home’s Risks Compare

Earthquake
Inland Flooding

FEMA Declared Disasters in San Francisco County and California

Earthquake
Flood
Mud Landslide
Severe Ice Storm
Severe Storm
Snowstorm
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 $7,579$90,948
Home Insurance *$691$8,292
Property Taxes $1,487$17,844
Electricity $398$4,786
Total$10,155$121,860
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$348,171/yr
40% on housing$304,650/yr
45% on housing$270,800/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: 2.8%
2.8%
0%30.0%
Electricity Growth Rate10-year average: 4.3%
4.3%
0%15.0%
Property Taxes Growth Rate2-year average: 1.6%
1.6%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$879This listing

vs Other Active Listings

Avg $/sqft

ZIP 94109$784
San Francisco County$694

vs Homes Sold Last Month

Median $/sqft

ZIP 94109$966
San Francisco County$986

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
2026-06-18Listed for sale$1,499,000
2025-07-31Sold$1,400,000
2024-03-28Listed for sale$1,690,000
2020-10-27Sold$1,205,000
2020-09-25Pending sale$1,380,000
2020-08-15Price change$1,380,000
2020-07-07Price change$1,575,000
2020-05-29Listed for sale$1,750,000
2020-03-19Listing removed$1,750,000
2020-03-02Listed for sale$1,750,000
2019-12-17Listing removed$1,798,000
2019-10-04Listed for sale$1,798,000
2014-10-02Sold$1,740,000
2014-08-08Listed for sale$1,600,000
2005-12-09Sold$1,000,000
1994-12-15Sold$734,400
1990-12-15Sold$540,000

For Sale by Agent

AgentPeter J. Monti
BrokerageCompass

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