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20 Joice St, San Francisco, CA, 94108

3beds
0baths
3,750sqft
$1,495,000
$399price/sqft
$9,342/moest. monthly cost
$373,680/yrincome needed

About This Home

Built in 1913 this 6-unit building in Nob Hill is a fantastic investment opportunity and four units have been recently updated. Comprised of three studios and three 1-bedroom apartments. Fully occupied, yielding a 9.37% cap rate and 8.17 GRM. The building also has a large storage area in the back and views of downtown from the roof. 100 WalkScore with convenient access to Chinatown, Financial District, Union Square, cable cars, and public transit.

Getting Around

100
WalkingWalker's Paradise
100
TransitRider's Paradise
61
BikeBikeable

Schools

7/10
Marina Middle SchoolGrades 6-81.7 mi
7/10
Galileo High SchoolGrades 9-121.2 mi

Construction

Condition

  • Year built: 1914

Materials

  • Roof: Asphalt

Type & Style

  • Home type: MultiFamily
  • Property subType: Multi Family

Interior

Bedrooms & Bathrooms

  • Bedrooms: 3

Interior Area

  • Total structure area: 3,750
  • Total interior livable area: 3,750 sqft

Property

Details

  • Parcel number: 0256023
  • Special condition: Standard

Features

  • Levels: Four
  • Has view: Yes
  • View description: Downtown

Lot

  • Lot size: 1,115 sqft
  • Features: Shape Regular

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 $7,559$90,708
Home Insurance *$82$984
Property Taxes $897$10,764
Electricity $804$9,649
Total$9,342$112,104
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$320,297/yr
40% on housing$280,260/yr
45% on housing$249,120/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

$399This listing

vs Other Active Listings

Avg $/sqft

ZIP 94108$757
San Francisco County$695

vs Homes Sold Last Month

Median $/sqft

ZIP 94108$1,312
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
2026-07-06Listed for sale$1,495,000
2026-03-11Listing removed$1,995,000
2025-12-01Listed for sale$1,995,000
2024-05-14Sold$850,000
2024-05-12Pending sale$1,150,000
2024-05-08Contingent$1,150,000
2024-04-12Listed for sale$1,150,000
2017-08-28Listing removed$1,500
2017-08-16Listed for rent$1,500

For Sale by Agent

AgentKevin Wong
BrokerageCompass

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