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1281 Greenwich St, San Francisco, CA, 94109

5beds
8baths
5,800sqft
$19,500,000
$3,362price/sqft
$120,536/moest. monthly cost
$4,821,440/yrincome needed

About This Home

An exceedingly rare offering - a modern architectural tour de force commanding sweeping, unobstructed views of San Francisco's most iconic landmarks, distinguished further by its own private, gated porte-cochere. Nestled within the coveted enclave of Russian Hill, this extraordinary two-residence boutique building lives with all the privacy, grandeur, and intimacy of a world-class single-family estate. Conceived by celebrated architect David Swetz as a deliberate work of art, the property encompasses five bedrooms, five full baths, and three powder rooms across approx. 6,000 square feet of masterfully realized living space. At the heart of the home rises a breathtaking polished plaster spiral staircase at once a sculptural centerpiece and an architectural declaration of intent, setting the tone for the refined craftsmanship that permeates every level. The main level unfolds as an expansive, light-filled canvas of open-plan living and dining, anchored by a chef's kitchen of the highest order and outfitted with professional-grade appliances, bespoke hardwood cabinetry, dramatic contrasting marble surfaces, and couture designer fixtures. The primary suite is a study in serene luxury: an expansive custom-designed walk-in closet flows into a spa-caliber bath enveloped entirely in a single, continuous slab of white Italian marble - a singular detail that speaks to the uncompromising vision behind every square foot of this residence. A dedicated wellness sanctuary completes the private quarters - a state-of-the-art infrared sauna and cold plunge offering a curated retreat conceived for restoration, recovery, and the deliberate cultivation of well-being. At the apex, the Penthouse level ascends to a realm of effortless entertaining: a sophisticated media and family room anchored by a second full chef's kitchen, the entire space, dramatic in its transparency is framed by an expansive wall of glass that dissolves the boundary between interior and sky. Beyond, a generous terrace opens directly to one of San Francisco's most coveted panoramas of the Golden Gate Bridge, the Palace of Fine Arts, and the shimmering Bay, a view that renders every gathering an occasion. The residence is further distinguished by a four-car private garage, a rooftop sky deck, and a private elevator serving all four levels, ensuring that every arrival, every ascent, and every moment within these walls feels precisely as extraordinary as the address itself.

Getting Around

97
WalkingWalker's Paradise
84
TransitExcellent Transit
68
BikeBikeable

Schools

8/10
5/10
Francisco Middle SchoolGrades 6-80.6 mi
7/10
Galileo High SchoolGrades 9-120.3 mi

Construction

Condition

  • Property condition: Updated/Remodeled
  • Year built: 1908

Materials

  • Foundation: Concrete Perimeter
  • Construction materials: Concrete,Frame,Metal,Wood

Type & Style

  • Home type: SingleFamily
  • Architectural style: Contemporary,Modern/High Tech
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Dishwasher,Disposal,Double Oven,ENERGY STAR Qualified Appliances,Gas Cooktop,Gas Water Heater,Range Hood,Ice Maker,Microwave,Plumbed For Ice Maker,Self Cleaning Oven,Wine Refrigerator,Dryer,Washer
  • Laundry features: Inside,Inside Room,Laundry Closet,Sink

Bathroom

  • Features: Double Vanity, Marble, Shower Stall(s)

Bedroom1

  • Area: 0

Bedroom2

  • Area: 0

Bedroom3

  • Area: 0

Bedroom4

  • Area: 0

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 8
  • Full bathrooms: 5
  • 1/2 bathrooms: 3

Dining Room

  • Features: Dining/Family Combo, Dining/Living Combo
  • Level: Main
  • Area: 0

Family Room

  • Features: Deck Attached, Great Room, Beamed Ceilings, Skylight(s), View
  • Level: Main
  • Area: 0

Features

  • Elevator,Formal Entry,Storage,Wet Bar
  • Flooring: Marble,Wood

Heating & Cooling

  • Heating features: Central
  • Cooling features: Central Air,Zoned

Interior Area

  • Total structure area: 5,800
  • Total interior livable area: 5,800 sqft

Kitchen

  • Features: Breakfast Room, Butlers Pantry, Kitchen Island, Island w/Sink, Kitchen/Family Combo, Marble Counter, Pantry Closet
  • Level: Main
  • Area: 0

Living Room

  • Features: Great Room, Beamed Ceilings
  • Level: Main
  • Area: 0

Master Bathroom

  • Features: Double Vanity, Marble, Radiant Heat, Soaking Tub

Master Bedroom

  • Features: Closet, Walk-In Closet, Walk-In Closet(s)
  • Area: 0

Property

Accessibility

  • Accessibility features: Accessible Elevator Installed

Details

  • Parcel number: 0095024
  • Special condition: Standard
  • Other equipment: Audio/Video Prewired,Home Theater,Intercom

Features

  • Stories: 4
  • Patio & porch: Deck,Uncovered Deck
  • Exterior features: Balcony,Outdoor Grill,Fire Pit,Wet Bar
  • Fencing: Gate
  • Has view: Yes
  • View description: Bay,City,City Lights,Golden Gate Bridge,Marina,San Francisco,Water
  • Has water view: Yes
  • Water view: Bay,Water
  • Topography of land: Level

Lot

  • Lot size: 2,344 sqft
  • Features: Court,Cul-De-Sac,Dead End,Flag Lot,Low Maintenance,Private

Parking

  • Total spaces: 10
  • Parking features: Driveway,Attached,Enclosed,Electric Vehicle Charging Station(s),Garage Door Opener,Guest,Inside Entrance,Private,Rotational,Side By Side,On Site - Unassigned (Condo Only)
  • Has garage: Yes
  • Attached garage spaces: 4
  • Covered spaces: 4
  • Has uncovered spaces: Yes
  • Uncovered spaces: 6

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
  • Landslide
    LandslideModerate

How This Home’s Risks Compare

Earthquake
Landslide

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 $98,602$1,183,224
Home Insurance *$8,991$107,892
Property Taxes $11,700$140,400
Electricity $1,243$14,924
Total$120,536$1,446,432
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$4,132,662/yr
40% on housing$3,616,080/yr
45% on housing$3,214,293/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

$3,362This listing

vs Other Active Listings

Avg $/sqft

ZIP 94109$759
San Francisco County$692

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
2026-07-04Listed for sale$19,500,000
2010-04-24Listing removed$1,000,000
2010-03-05Listed for sale$1,000,000

For Sale by Agent

AgentAndres Ardila
BrokerageCompass

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