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215-219 Church St, San Francisco, CA, 94114

8beds
2baths
5,674sqft
$3,850,000
$679price/sqft
$25,255/moest. monthly cost
$1,010,200/yrincome needed

About This Home

215-219 Church Street presents a rare opportunity to acquire a fully leased, mixed-use investment property in the heart of San Francisco's highly desirable Mission Dolores neighborhood. Consisting of a wellestablished ground-floor restaurant and two spacious residential flats above, the property offers stable cash flow, exceptional in-place rents, and minimal management responsibilities. The ground floor is occupied by The Rustic, a popular neighborhood restaurant that completed a substantial renovation of the space and recently executed a new 10-year lease, providing long-term income security for ownership. In addition to base rent, the restaurant reimburses approximately $2,500 per month in NNN expenses and pays directly for its utilities. The restaurant features an inviting dining room, full commercial kitchen, bar area, outdoor patio seating, rear storage, and access to a large basement storage area. The upper floors consist of two large 4-bedroom, 1.5-bath residential flats that are fully occupied at strong market rents. Both units feature updated kitchens and bathrooms, spacious floorplans, abundant natural light, and attractive finishes that continue to attract quality tenants. The property has been well maintained and requires little day-to-day oversight. Tenants pay their own utilities, reducing operating expenses and contributing to the property's strong cash flow profile. Recent improvements include a freshly painted front faade, further enhancing curb appeal and minimizing near-term capital requirements. For investors seeking a stabilized, low-maintenance asset in one of San Francisco's most vibrant neighborhoods, 215-219 Church Street offers an attractive combination of long-term income, quality tenancy, and pride of ownership.

Getting Around

99
WalkingWalker's Paradise
99
TransitRider's Paradise
96
BikeBiker's Paradise

Schools

2/10
1/10
Everett Middle SchoolGrades 6-80.2 mi
3/10
Mission High SchoolGrades 9-120.4 mi

Construction

Condition

  • Year built: 1905

Type & Style

  • Home type: MultiFamily
  • Property subType: Mixed Use

Interior

Bedrooms & Bathrooms

  • Bedrooms: 8
  • Bathrooms: 2
  • Full bathrooms: 1
  • Partial bathrooms: 1

Interior Area

  • Total structure area: 5,674
  • Total interior livable area: 5,674 sqft

Property

Details

  • Parcel number: 3544064
  • Special condition: Standard

Lot

  • Lot size: 3,123 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
    EarthquakeVery High
  • Inland Flooding
    Inland FloodingRelatively High

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 $19,467$233,604
Home Insurance *$436$5,232
Property Taxes $4,136$49,632
Electricity $1,216$14,600
Total$25,255$303,060
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$865,885/yr
40% on housing$757,650/yr
45% on housing$673,466/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

$679This listing

vs Other Active Listings

Avg $/sqft

ZIP 94114$817
San Francisco County$694

vs Homes Sold Last Month

Median $/sqft

ZIP 94114$1,510
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
2026-06-16Listed for sale$3,850,000
2025-05-16Sold$2,105,000
2016-07-14Sold$3,550,000

For Sale by Agent

AgentMichael B. Johnston
BrokerageEngel & Voelkers San Francisco

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