




160 Bernard St, San Francisco, CA, 94109
About This Home
Custom-built by its owners, this architectural masterpiece seamlessly blends contemporary design, thoughtful functionality, and luxurious sophistication in one of San Francisco's most prestigious neighborhoods, where Russian Hill blends into Nob Hill. Recently showcased on the San Francisco AIA Home Tour, this exceptional single-family residence features six spacious bedrooms, five baths including two primary en-suite retreats for privacy and comfort. The versatile layout includes a media room, dedicated office space, and an expansive open-concept living area with a gourmet kitchen and dining space. Two private decks enhance the living experience, with the north-facing deck offering stunning views of the Golden Gate Bridge. The rooftop level features a living roof deck with panoramic 360-degree views, complete with a built-in fire pit and rooftop garden, perfect for entertaining or peaceful reflection. The legal two-level ADU adds exceptional versatility, featuring two bedrooms, 1.5 bathroom, and a beautifully appointed open living/dining/kitchen area that flows into a professionally landscaped garden, making it an ideal income-generating opportunity or guest quarters. Additional highlights include a two-car garage with convenient lower-level access and multiple outdoor living areas surrounded by manicured landscaping, The elevator leads to all floors.
Getting Around
Schools
Construction
Condition
- Year built: 2019
Materials
- Foundation: Concrete
- Roof: Cement,Flat
Type & Style
- Home type: SingleFamily
- Architectural style: Contemporary
- Property subType: Single Family Residence
Interior
Appliances
- Appliances included: Dishwasher,ENERGY STAR Qualified Appliances,Dryer,Washer
- Laundry features: Laundry Closet
Basement
- Basement: None
Bedroom1
- Area: 0
Bedroom2
- Area: 0
Bedroom3
- Area: 0
Bedroom4
- Area: 0
Bedrooms & Bathrooms
- Bedrooms: 6
- Bathrooms: 7
- Full bathrooms: 5
- 1/2 bathrooms: 2
Dining Room
- Area: 0
Family Room
- Area: 0
Features
- Elevator,Storage
- Flooring: Tile,Wood
Heating
- Heating features: Radiant
Interior Area
- Total structure area: 4,100
- Total interior livable area: 4,100 sqft
Kitchen
- Area: 0
Living Room
- Area: 0
Master Bedroom
- Area: 0
Property
Details
- Parcel number: 0156036
- Special condition: Standard
Features
- Stories: 4
- Patio & porch: Enclosed Patio,Deck,Uncovered Deck
- Exterior features: Balcony
- Has view: Yes
- View description: Bay,Bridge(s),City,City Lights,Downtown,Golden Gate Bridge,Ocean,San Francisco
- Has water view: Yes
- Water view: Bay,Ocean
- Topography of land: Level
Lot
- Lot size: 1,380 sqft
- Features: Court,Garden,Landscaped
Parking
- Total spaces: 2
- Parking features: Enclosed,Garage Door Opener,Side By Side,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
- Inland Flooding
- Landslide
How This Home’s Risks Compare
FEMA Declared Disasters in San Francisco County and California
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
| Monthly | Annual | |
|---|---|---|
| Mortgage | $35,370 | $424,440 |
| Home Insurance * | $3,225 | $38,700 |
| Property Taxes | $4,197 | $50,364 |
| Electricity | $879 | $10,550 |
| Total | $43,671 | $524,052 |
Income You'd Need if You Spent...
California FAIR Plan Programs
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.
Comparing Against the Market
Price Per Sq Ft
vs Other Active Listings
Avg $/sqft
vs Homes Sold Last Month
Median $/sqft
Current Market Trends
Median Price Per Square Foot
The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.
Historicals for This Listing
Zestimate History ($/sqft)
Price History
| Date | Event | Price |
|---|---|---|
| 2025-06-01 | Price change | $6,995,000 |
| 2025-05-10 | Price change | $7,495,000 |
| 2024-10-07 | Price change | $8,495,000 |
| 2023-09-12 | Price change | $8,500,000 |
| 2023-08-25 | Listed for sale | $9,500,000 |
| 2023-05-24 | Listing removed | -- |
| 2023-04-21 | Listed for rent | $18,000 |
