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735 Geary St APT 104, San Francisco, CA, 94109

1beds
1baths
812sqft
$549,000
$676price/sqft
$3,756/moest. monthly cost
$150,240/yrincome needed

About This Home

Stunning & sophisticated, this rear-facing flat in a classic 1920s boutique building captures the timeless charm & elegance of Lower Nob Hill. Brimming w/period detailsincluding decorative moldings, French casement windows, ornamental plasterwork & hardwood floors, this one bedroom, one bath residence offers the perfect blend of historic character & modern updates. The spacious, light-filled living room features two expansive French windows overlooking the serene, landscaped shared garden. The large, remodeled eat-in kitchen includes stainless-steel appliances & a gas range. The home's most distinctive feature is the unique circular bedroom, a one-of-a-kind French-inspired sanctuary adorned w/intricate plaster garlands, panel moldings & French doors. A bonus office nook just off the bedroom provides additional flexibility. The updated bath, in-home laundry hookups, two large closets, and a former Murphy bed closet now reimagined as extra storage & all new lighting complete the functional layout. This quiet, well-maintained 21-unit building features an unbeatable location near Union Square, theaters, museums, top restaurants, BART, and neighborhood cafs, this property is the ideal pied--terre or sophisticated urban retreat offering classic San Francisco living at its finest.

Getting Around

99
WalkingWalker's Paradise
100
TransitRider's Paradise
78
BikeVery Bikeable

Schools

3/10
Tenderloin CommunityGrades K-50.4 mi
5/10
Francisco Middle SchoolGrades 6-81.3 mi
7/10
Galileo High SchoolGrades 9-121.3 mi

Construction

Condition

  • Property condition: Updated/Remodeled
  • Year built: 1922

Type & Style

  • Home type: SingleFamily
  • Property subType: Tenancy in Common

Interior

Bedroom1

  • Area: 0

Bedroom2

  • Area: 0

Bedroom3

  • Area: 0

Bedroom4

  • Area: 0

Bedrooms & Bathrooms

  • Bedrooms: 1
  • Bathrooms: 1
  • Full bathrooms: 1

Dining Room

  • Area: 0

Family Room

  • Area: 0

Interior Area

  • Total structure area: 812
  • Total interior livable area: 812 sqft

Kitchen

  • Area: 0

Living Room

  • Area: 0

Master Bedroom

  • Area: 0

Property

Details

  • Parcel number: 0319025A
  • Attached to another structure: Yes
  • Special condition: Standard

Lot

  • Lot size: 6,703 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
    EarthquakeVery High
  • Inland Flooding
    Inland FloodingModerate

How This Home’s Risks Compare

Earthquake
Inland Flooding

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 $2,776$33,312
Home Insurance *$253$3,036
Property Taxes $329$3,948
Electricity $398$4,786
Total$3,756$45,072
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$128,777/yr
40% on housing$112,680/yr
45% on housing$100,160/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

$676This listing

vs Other Active Listings

Avg $/sqft

ZIP 94109$789
San Francisco County$695

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)

Price History

DateEventPrice
2026-07-03Price change$549,000
2026-05-29Listed for sale$579,000
2026-04-10Listing removed$579,000
2026-03-01Price change$579,000
2025-11-21Listed for sale$599,000
2015-09-15Sold$645,000
2015-02-12Listing removed$579,000
2015-01-31Listed for sale$579,000

For Sale by Agent

AgentMaryanne Diaz
BrokerageCompass

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