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4048 23rd St, San Francisco, CA, 94114

4beds
2baths
2,122sqft
$3,195,000
$1,506price/sqft
$20,480/moest. monthly cost
$819,200/yrincome needed

About This Home

4048 23rd Street is a beautifully maintained John Anderson Victorian home on a tree-lined block in Noe Valley. Its preserved facade sets the tone for a rich collection of period details, including an original staircase, ornate ceiling designs and medallions, bay windows, and finely crafted millwork and built-ins. A formal foyer leads to a sunlit, south-facing living room with verdant outlooks and a wood-burning fireplace. Just beyond, a spacious dining room overlooks the gorgeous garden and connects seamlessly to a functional kitchen with a separate eating area. Off the kitchen, a walkout deck descends to a serene, landscaped garden featuring multiple terraces, mature plantings, and a tranquil stream/water feature. Back inside, a full bathroom completes the main level. Upstairs, the bedroom level offers a generously sized primary suite with a walk-in closet, two additional bedrooms, and a full bath, all connected by a wide hallway. The lower level includes a flexible office or guest bedroom, with potential to expand into a larger suite and/or add a bathroom. Additionally, there is a spacious one-car garage with abundant storage. Located just two and a half blocks from vibrant 24th Street the heart of Noe Valley you're moments from neighborhood favorites, cafes, and everyday conveniences.

Getting Around

96
WalkingWalker's Paradise
71
TransitExcellent Transit
64
BikeBikeable

Schools

1/10
Everett Middle SchoolGrades 6-80.8 mi
3/10
Mission High SchoolGrades 9-120.7 mi

Construction

Condition

  • Year built: 1908

Type & Style

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

Interior

Bedroom1

  • Area: 0

Bedroom2

  • Area: 0

Bedroom3

  • Area: 0

Bedroom4

  • Area: 0

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 2
  • Full bathrooms: 2

Dining Room

  • Area: 0

Family Room

  • Area: 0

Features

  • Number of fireplaces: 1
  • Fireplace features: Living Room
  • Fireplace: Yes

Interior Area

  • Total structure area: 2,122
  • Total interior livable area: 2,122 sqft

Kitchen

  • Area: 0

Living Room

  • Area: 0

Master Bedroom

  • Area: 0

Property

Details

  • Parcel number: 3624015
  • Attached to another structure: Yes
  • Special condition: Standard

Lot

  • Lot size: 2,848 sqft

Parking

  • Total spaces: 1
  • Parking features: Attached,Independent,On Site (Single Family 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
    EarthquakeModerate

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 $16,155$193,860
Home Insurance *$362$4,344
Property Taxes $3,508$42,096
Electricity $455$5,460
Total$20,480$245,760
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$702,171/yr
40% on housing$614,400/yr
45% on housing$546,133/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: 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

$1,506This listing

vs Other Active Listings

Avg $/sqft

ZIP 94114$805
San Francisco County$694

vs Homes Sold Last Month

Median $/sqft

ZIP 94114$1,510
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
2026-05-07Pending sale$3,195,000
2026-04-30Listed for sale$3,195,000

For Sale by Agent

AgentLamisse Droubi
BrokerageCity Real Estate

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