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1370 20th Ave, San Francisco, CA, 94122

8beds
6baths
3,486sqft
$1,998,000
$573price/sqft
$12,272/moest. monthly cost
$490,880/yrincome needed

About This Home

Rarely available, light-filled income property in prime Central Sunset! Conveniently located near transportation, shopping, dining, and Golden Gate Park. The middle and upper units each offer 2BR plus oversized sunroom, 2.5 updated baths, each unit offers 1 master bedroom, in-unit washer and dryer, updated kitchens, formal dining rooms, fireplaces, and double-pane windows throughout. Behind the side-by-side garage is a permitted vacant 2 bedrooms 1 family room, which can be a potential ADU. This building is providing flexible owner-user or income potential. Strong in-place rental income with upper unit at $3,900/month and middle unit at $4,200/month. Excellent opportunity for investors or owner-occupants seeking prime location, strong income, and long-term upside.

Getting Around

96
WalkingWalker's Paradise
68
TransitGood Transit
75
BikeVery Bikeable

Schools

8/10
8/10
9/10

Construction

Condition

  • Property condition: Updated/Remodeled
  • Year built: 1927

Materials

  • Foundation: Concrete
  • Construction materials: Concrete,Stucco

Type & Style

  • Home type: MultiFamily
  • Property subType: Duplex

Interior

Appliances

  • Appliances included: Dishwasher,Disposal,Free-Standing Gas Range,Free-Standing Refrigerator,Gas Cooktop,Washer/Dryer
  • Laundry features: In Unit

Basement

  • Has basement: Yes
  • Basement: Finished

Bedrooms & Bathrooms

  • Bedrooms: 8
  • Bathrooms: 6
  • Full bathrooms: 4
  • Partial bathrooms: 2

Features

  • Formal Entry
  • Window features: Double Pane Windows
  • Flooring: Tile,Wood
  • Fireplace: Yes

Heating

  • Heating features: Central,Fireplace Insert

Interior Area

  • Total structure area: 3,486
  • Total interior livable area: 3,486 sqft

Property

Details

  • Parcel number: 1774029
  • Special condition: Standard

Features

  • Levels: Three Or More
  • Has view: Yes
  • View description: City
  • Topography of land: Level

Lot

  • Lot size: 2,996 sqft
  • Features: Garden

Parking

  • Total spaces: 2
  • Parking features: Attached,Garage
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2

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 $10,102$121,224
Home Insurance *$225$2,700
Property Taxes $1,198$14,376
Electricity $747$8,970
Total$12,272$147,264
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$420,754/yr
40% on housing$368,160/yr
45% on housing$327,253/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

$573This listing

vs Other Active Listings

Avg $/sqft

ZIP 94122$650
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
2026-08-06Pending sale$1,998,000
2026-06-03Listed for sale$1,998,000
2021-08-16Listing removed--
2021-08-10Price change$2,050
2021-07-31Listed for rent$2,200
2021-04-08Listing removed--
2021-03-28Listed for rent$1,999

For Sale by Agent

AgentHung K. Kwok
BrokerageMaxReal

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