Primary listing photo
Listing photo 2
Listing photo 3
Listing photo 4
Listing photo 5

128 Gardiner Ave, South San Francisco, CA, 94080

4beds
2baths
2,171sqft
$1,298,000
$598price/sqft
$8,452/moest. monthly cost
$338,080/yrincome needed

About This Home

**Prime Duplex Opportunity in South San Francisco** Discover this exceptional duplex in one of S. San Francisco's most sought-after neighborhoods. This well-maintained property features two spacious units, each offering 2 bedrooms and 1 bathroom. An outstanding opportunity for investors or future owner-occupants, this property offers excellent income potential and long-term appreciation in a prime Peninsula location. Both units are currently tenant-occupied, providing immediate rental income. ** Conveniently located near vibrant Grand Avenue, shopping, restaurants, the Costco Business Center, major biotech employers, Highway 101, and Gardiner Park, Don't miss out on this exceptional opportunity!

Getting Around

69
WalkingSomewhat Walkable
0
TransitVery Limited Transit
61
BikeBikeable

Schools

1/10
Martin Elementary SchoolGrades K-50.5 mi
2/10
8/10

Construction

Condition

  • Year built: 1962

Materials

  • Foundation: Slab
  • Roof: Shingle

Type & Style

  • Home type: MultiFamily
  • Property subType: Duplex,Residential Income

Interior

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 2

Features

  • Door features: None

Heating & Cooling

  • Heating features: Wall Furnace
  • Cooling features: None

Interior Area

  • Total structure area: 2,171
  • Total interior livable area: 2,171 sqft

Property

Accessibility

  • Accessibility features: None

Details

  • Parcel number: 012095130
  • Zoning: RM0000
  • Special condition: Standard

Features

  • Stories: 2

Lot

  • Lot size: 2,500 sqft

Parking

  • Total spaces: 2
  • Parking features: Attached
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2
  • Carport: 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
    EarthquakeRelatively High
  • Inland Flooding
    Inland FloodingModerate

How This Home’s Risks Compare

Earthquake
Inland Flooding

FEMA Declared Disasters in San Mateo 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 $6,563$78,756
Home Insurance *$146$1,752
Property Taxes $1,278$15,336
Electricity $465$5,586
Total$8,452$101,424
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$289,782/yr
40% on housing$253,560/yr
45% on housing$225,386/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: 7.1%
7.1%
0%30.0%
Electricity Growth Rate10-year average: 4.3%
4.3%
0%15.0%
Property Taxes Growth Rate2-year average: 0.7%
0.7%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$598This listing

vs Other Active Listings

Avg $/sqft

ZIP 94080$551
San Mateo County$915

vs Homes Sold Last Month

Median $/sqft

ZIP 94080$887
San Mateo County$1,106

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
2026-08-17Pending sale$1,298,000
2026-07-22Listed for sale$1,298,000
2022-07-15Listing removed--
2022-06-28Price change$2,800
2022-05-18Price change$2,900
2022-05-04Price change$3,200
2022-04-26Listed for rent$3,500
2022-04-11Sold$1,300,000
2003-08-27Sold$570,000

For Sale by Agent

AgentLoletta Wong
BrokerageIntero Real Estate Services

Similar Homes