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1440 Union St, San Francisco, CA, 94109

19beds
0baths
13,953sqft
$8,700,000
$624price/sqft
$56,214/moest. monthly cost
$2,248,560/yrincome needed

About This Home

1440 Union Street presents a rare opportunity to acquire a 21-unit apartment building in the heart of Russian Hill, situated just a half block from the shops and restaurants along Polk Street. The property offers a well-balanced unit mix of 11 one-bedrooms, 4 two-bedrooms, and 6 studios, with select residences enjoying Golden Gate Bridge and Bay views. Tenants share access to a common roof deck, and the building has recently benefited from exterior paint and deck repairs. Parking is plentiful, with 21 garage spaces serving the property, five of which are currently vacant. Three units will also be delivered vacant at close of escrow, giving a new owner the immediate ability to capitalize on a very strong rental market. Combining scale, location, and significant upside, 1440 Union Street represents a rare opportunity in one of San Francisco's most sought-after rental locations.

Getting Around

99
WalkingWalker's Paradise
83
TransitExcellent Transit
74
BikeVery Bikeable

Schools

8/10
5/10
Francisco Middle SchoolGrades 6-80.7 mi
7/10
Galileo High SchoolGrades 9-120.3 mi

Construction

Condition

  • Year built: 1970

Materials

  • Roof: Asphalt

Type & Style

  • Home type: MultiFamily
  • Property subType: Multi Family

Interior

Appliances

  • Laundry features: Coin Operated,Common Area

Bedrooms & Bathrooms

  • Bedrooms: 19

Features

  • Elevator

Interior Area

  • Total structure area: 13,953
  • Total interior livable area: 13,953 sqft

Property

Details

  • Parcel number: 0526012
  • Special condition: Standard

Lot

  • Lot size: 6,873 sqft
  • Features: None

Parking

  • Total spaces: 21
  • Parking features: Carport,Covered,Garage
  • Has garage: Yes
  • 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
    EarthquakeVery 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 $43,991$527,892
Home Insurance *$4,011$48,132
Property Taxes $5,220$62,640
Electricity $2,992$35,904
Total$56,214$674,568
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$1,927,337/yr
40% on housing$1,686,420/yr
45% on housing$1,499,040/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

$624This listing

vs Other Active Listings

Avg $/sqft

ZIP 94109$786
San Francisco County$694

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)

No zestimate history available

Price History

DateEventPrice
2026-08-10Pending sale$8,700,000
2026-07-31Listed for sale$8,700,000
2025-03-20Listing removed$2,195
2025-03-16Listed for rent$2,195
2024-05-03Listing removed--
2024-04-12Listed for rent$2,995
2023-10-17Listing removed--
2023-10-11Listed for rent$2,995
2023-01-04Listing removed--
2022-12-27Listed for rent$2,200
2022-11-21Listing removed--
2022-11-16Listed for rent$1,995
2020-02-18Listing removed$2,695
2020-02-11Listed for rent$2,695
2019-08-20Listing removed$3,395
2019-07-31Listed for rent$3,395

For Sale by Agent

AgentAdam D. Filly
BrokerageCompass Commercial

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