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160 Bernard St, San Francisco, CA, 94109

6beds
7baths
4,100sqft
$6,995,000
$1,706price/sqft
$43,671/moest. monthly cost
$1,746,840/yrincome needed

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

96
WalkingWalker's Paradise
90
TransitRider's Paradise
64
BikeBikeable

Schools

8/10
5/10
Francisco Middle SchoolGrades 6-80.6 mi
7/10
Galileo High SchoolGrades 9-120.7 mi

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
    EarthquakeVery High
  • Inland Flooding
    Inland FloodingModerate
  • Landslide
    LandslideModerate

How This Home’s Risks Compare

Earthquake
Inland Flooding
Landslide

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 $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
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$1,497,291/yr
40% on housing$1,310,130/yr
45% on housing$1,164,560/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

$1,706This listing

vs Other Active Listings

Avg $/sqft

ZIP 94109$775
San Francisco County$693

vs Homes Sold Last Month

Median $/sqft

ZIP 94109$966
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
2025-06-01Price change$6,995,000
2025-05-10Price change$7,495,000
2024-10-07Price change$8,495,000
2023-09-12Price change$8,500,000
2023-08-25Listed for sale$9,500,000
2023-05-24Listing removed--
2023-04-21Listed for rent$18,000

For Sale by Agent

AgentTasha Delancy
BrokerageVanguard Properties

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