164 Bernard St, San Francisco, CA, 94109
About This Home
This 2,300-square-foot home features five bedrooms and three bathrooms on two levels, a spacious kitchen with an eat-in dining area. This property has the potential to build a beautiful rooftop with views of the Bay and the Golden Gate Bridge. It will be delivered vacant at the close of escrow. The property lives like a single-family home but is technically a 2-unit. All done with proper permits.
Getting Around
Walker's Paradise
Rider's Paradise
BikeableSchools
Construction
Condition
- Property condition: Fixer,Original
- Year built: 1908
Materials
- Foundation: Concrete
- Roof: Asphalt
- Construction materials: Wood
Type & Style
- Home type: MultiFamily
- Property subType: Duplex
Interior
Appliances
- Appliances included: Dishwasher,Disposal,Free-Standing Refrigerator,Gas Cooktop,Gas Water Heater,Microwave,Wine Refrigerator,Washer/Dryer
- Laundry features: Washer/Dryer Hookups
Bedrooms & Bathrooms
- Bedrooms: 5
- Bathrooms: 3
- Full bathrooms: 2
- Partial bathrooms: 1
Features
- Window features: Skylight(s)
- Flooring: Wood
- Fireplace: Yes
Heating & Cooling
- Heating features: Fireplace(s),Gas
- Cooling features: None
Interior Area
- Total structure area: 2,280
- Total interior livable area: 2,280 sqft
Property
Details
- Parcel number: 0156037
- Special condition: Standard
Features
- Levels: Two
- Stories: 2
- Patio & porch: Enclosed Patio
- Topography of land: Level
Lot
- Lot size: 1,380 sqft
- Features: None
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 | $11,630 | $139,560 |
| Home Insurance * | $1,060 | $12,720 |
| Property Taxes | $1,380 | $16,560 |
| Electricity | $488 | $5,866 |
| Total | $14,558 | $174,696 |
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 |
|---|---|---|
| 2025-09-26 | Listed for sale | $2,300,000 |
| 2023-10-12 | Listing removed | -- |
| 2023-09-21 | Listed for rent | $9,950 |
| 2021-04-13 | Listing removed | -- |
| 2021-03-29 | Price change | $6,990 |
| 2021-03-15 | Price change | $7,250 |
| 2021-02-23 | Listed for rent | $7,500 |
| 2021-02-06 | Listing removed | -- |
| 2019-06-21 | Listing removed | $9,950 |
| 2019-06-03 | Listed for rent | $9,950 |
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