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522 26th Ave, San Francisco, CA, 94121

3beds
3baths
980sqft
$998,000
$1,018price/sqft
$6,184/moest. monthly cost
$247,360/yrincome needed

About This Home

Tucked away at the rear of the property for ultimate privacy, this beautifully reimagined detached cottage offers a rare oasis in one of San Francisco's most desirable neighborhoods. Located next to the front residence at 524 26th Avenue and benefiting from a recorded easement granted by the neighboring owner, this hidden gem combines modern luxury with serene outdoor living. Thoughtfully remodeled from top to bottom and addition to the back of the building, the home features three spacious bedrooms and three full bathrooms across two levels. Every detail has been updated, including new electrical systems, a new furnace, designer bathrooms, and a stunning kitchen equipped with brand-new appliances. The true showpiece is the spectacular professionally landscaped backyard. Lush gardens, inviting gathering spaces, and mature plantings create a private retreat so captivating that it rivals the beauty of the home itself. Whether entertaining guests, enjoying outdoor dining, or simply relaxing in your own sanctuary, this extraordinary outdoor setting elevates the entire property. This is really a rare opportunity to own a turnkey cottage that perfectly blends modern comfort, privacy, and exceptional outdoor living. Perfectly positioned just approximately 40 feet from Geary Blvd., residents enjoy unparalleled access to public transportation with convenient service to down San Francisco, the Financial District, and beyond. Daily convenience are right at your doorstep, including Grocery Outlet just a block away, along with an abundance of neighborhood restaurants, cafes, bakeries, and local shops all within easy walking distance. This turnkey cottage offers the perfect blend of privacy, modern comfort, and an unbeatable Richmond District lifestyle.

Getting Around

95
WalkingWalker's Paradise
70
TransitExcellent Transit
67
BikeBikeable

Schools

9/10
9/10
Presidio Middle SchoolGrades 6-80.3 mi
8/10

Construction

Condition

  • Property condition: Updated/Remodeled
  • Year built: 1915

Type & Style

  • Home type: SingleFamily
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Dishwasher,Disposal,Free-Standing Gas Oven,Free-Standing Refrigerator,Dryer,Washer/Dryer Stacked,Washer
  • Laundry features: Laundry Closet

Basement

  • Has basement: Yes
  • Basement: Full

Bathroom

  • Features: Low-Flow Toilet(s), Shower Stall(s)

Bedroom1

  • Area: 0

Bedroom2

  • Area: 0

Bedroom3

  • Area: 0

Bedroom4

  • Area: 0

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 3
  • Full bathrooms: 3

Dining Room

  • Area: 0

Family Room

  • Area: 0

Features

  • Flooring: Wood

Heating

  • Heating features: Floor Furnace

Interior Area

  • Total structure area: 980
  • Total interior livable area: 980 sqft

Kitchen

  • Features: Quartz Counter
  • Level: Main
  • Area: 0

Living Room

  • Area: 0

Master Bathroom

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

Master Bedroom

  • Area: 0

Property

Details

  • Parcel number: 1519038
  • Attached to another structure: Yes
  • Special condition: Offer As Is

Lot

  • Lot size: 1,820 sqft

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
    EarthquakeRelatively 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 $5,046$60,552
Home Insurance *$142$1,704
Property Taxes $598$7,176
Electricity $398$4,786
Total$6,184$74,208
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$212,022/yr
40% on housing$185,520/yr
45% on housing$164,906/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

$1,018This listing

vs Other Active Listings

Avg $/sqft

ZIP 94121$802
San Francisco County$694

vs Homes Sold Last Month

Median $/sqft

ZIP 94121$1,000
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
2026-06-21Listed for sale$998,000
2011-10-01Listing removed$1,800
2011-08-21Listed for rent$1,800

For Sale by Agent

AgentKaren F. Lum
BrokerageFocus Realty

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