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2704 Pine St, San Francisco, CA, 94115

2beds
2baths
1,350sqft
$895,000
$663price/sqft
$5,734/moest. monthly cost
$229,360/yrincome needed

About This Home

A classic Pacific Heights Victorian with the kind of proportions you don't find in new construction. A clean canvas dressed in period details, wainscoting, Douglas Fir flooring, high volume ceilings, fireplaces, and large double-hung sash windows - waiting for its next owner to make it their own. A gracious living room with bay window and fireplace. Formal dining room with fireplace. Two big bedrooms, two hall bathrooms. A large kitchen with room to expand. A private brick patio ready to entertain. Plenty of space to put your own stamp from top to bottom. This is the kind of place where the work you put in comes roaring back to you tenfold. Right in the heart of San Francisco, blocks from Alta Plaza Park and the Divisadero corridor. Come bring your dreams and make this the urban sanctuary it was always meant to be.

Getting Around

98
WalkingWalker's Paradise
73
TransitExcellent Transit
83
BikeVery Bikeable

Schools

Construction

Condition

  • Property condition: Updated/Remodeled
  • Year built: 1895

Type & Style

  • Home type: SingleFamily
  • Architectural style: Victorian
  • Property subType: Tenancy in Common

Interior

Appliances

  • Appliances included: Dishwasher,Disposal,Free-Standing Gas Range,Free-Standing Refrigerator,Range Hood,Ice Maker,Tankless Water Heater,Dryer,Washer

Basement

  • Basement: None

Bathroom

  • Features: Tile, Tub w/Shower Over, Window

Bedroom1

  • Area: 0

Bedroom2

  • Area: 0

Bedroom3

  • Area: 0

Bedroom4

  • Area: 0

Bedrooms & Bathrooms

  • Bedrooms: 2
  • Bathrooms: 2
  • Full bathrooms: 2

Dining Room

  • Level: Main
  • Area: 0

Family Room

  • Area: 0

Features

  • Window features: Bay Window(s)
  • Flooring: Tile,Wood
  • Number of fireplaces: 2
  • Fireplace features: Decorative,Dining Room,Living Room
  • Fireplace: Yes

Heating

  • Heating features: Central

Interior Area

  • Total structure area: 1,350
  • Total interior livable area: 1,350 sqft

Kitchen

  • Features: Kitchen Island, Tile Counters
  • Level: Main
  • Area: 0

Living Room

  • Level: Main
  • Area: 0

Master Bedroom

  • Area: 0

Property

Details

  • Parcel number: 1028008A
  • Attached to another structure: Yes
  • Special condition: Standard

Features

  • Patio & porch: Patio
  • Fencing: Wood

Lot

  • Lot size: 2,064 sqft

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 $4,525$54,300
Home Insurance *$274$3,288
Property Taxes $537$6,444
Electricity $398$4,786
Total$5,734$68,808
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$196,594/yr
40% on housing$172,020/yr
45% on housing$152,906/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

$663This listing

vs Other Active Listings

Avg $/sqft

ZIP 94115$803
San Francisco County$694

vs Homes Sold Last Month

Median $/sqft

ZIP 94115$1,098
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
2026-08-07Pending sale$895,000
2026-07-24Listed for sale$895,000
2025-07-16Listing removed$5,300
2025-07-14Price change$5,300
2025-07-02Listed for rent$4,500
2022-10-23Listing removed--
2022-10-21Listed for rent$5,800
2018-12-20Sold$898,000
2018-11-13Pending sale$895,000
2018-10-18Listed for sale$895,000

For Sale by Agent

AgentKevin Wakelin
BrokerageCompass

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