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1231 40th Ave, San Francisco, CA, 94122

3beds
2baths
1,800sqft
$1,195,000
$664price/sqft
$7,863/moest. monthly cost
$314,520/yrincome needed

About This Home

Outer Sunset semi-detached home ideally situated just half a block from Golden Gate Park and approximately 1.5 blocks to the N Judah MUNI Line, as well as the vibrant shops and dining along both Irving and Judah Street and the scenic coastline of Ocean Beach. This prime location offers the perfect blend of convenience, recreation, and coastal living. The top level features a spacious and light-filled living room, formal dining area, and kitchen with breakfast area, along with a full bath and two generously sized bedrooms. Side stairs provide direct access to the yard, creating an easy indoor-outdoor flow. The ground level, with its own private side entrance, offers a fully independent and legal VACANT move-in ready one-bedroom, one-bath living space complete with a large family room and kitchen - ideal for owner use extended family or rental income. There's also direct access to the large flat yard from this level. The property is configured for flexibility with two separate addresses (1231 & 1231A), individual gas and electric meters, and two water heaters. Additional highlights include a large two-car tandem garage with ample storage and 1-2 car driveway parking. A fantastic opportunity for owner-occupants seeking supplemental income or multigenerational living in a highly desirable neighborhood.

Getting Around

78
WalkingVery Walkable
56
TransitGood Transit
87
BikeVery Bikeable

Schools

Construction

Condition

  • Year built: 1911

Type & Style

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

Interior

Appliances

  • Appliances included: Free-Standing Gas Oven,Free-Standing Gas Range,Free-Standing Refrigerator,Range Hood
  • Laundry features: In Garage

Bedroom1

  • Area: 0

Bedroom2

  • Area: 0

Bedroom3

  • Area: 0

Bedroom4

  • Area: 0

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 2
  • Full bathrooms: 2

Dining Room

  • Features: Formal Room
  • Level: Main
  • Area: 0

Family Room

  • Area: 0

Features

  • Flooring: Laminate,Tile,Wood

Heating

  • Heating features: Central

Interior Area

  • Total structure area: 1,800
  • Total interior livable area: 1,800 sqft

Kitchen

  • Level: Lower,Main
  • Area: 0

Living Room

  • Level: Lower,Main
  • Area: 0

Master Bathroom

  • Features: Tub w/Shower Over

Master Bedroom

  • Area: 0

Property

Details

  • Parcel number: 1710005
  • Attached to another structure: Yes
  • Special condition: Standard

Features

  • Fencing: Back Yard

Lot

  • Lot size: 2,996 sqft

Parking

  • Total spaces: 3
  • Parking features: Driveway,Attached,Tandem,On Site (Single Family Only)
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2
  • Has uncovered spaces: Yes
  • Uncovered 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
    EarthquakeRelatively High

How This Home’s Risks Compare

Earthquake

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 $6,042$72,504
Home Insurance *$134$1,608
Property Taxes $1,289$15,468
Electricity $398$4,786
Total$7,863$94,356
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$269,588/yr
40% on housing$235,890/yr
45% on housing$209,680/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

$664This listing

vs Other Active Listings

Avg $/sqft

ZIP 94122$648
San Francisco County$694

vs Homes Sold Last Month

Median $/sqft

ZIP 94122$1,037
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)

No zestimate history available

Price History

DateEventPrice
2026-05-14Listed for sale$1,195,000
2026-05-08Contingent$1,195,000
2026-04-30Listed for sale$1,195,000
2012-07-31Sold$607,000
2012-06-10Price change$635,000
2012-04-13Listed for sale$659,000
1997-07-23Sold$284,000

For Sale by Agent

AgentJason C. Chan
BrokerageBarbCo

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