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1081 Treat Ave, San Francisco, CA, 94110

5beds
3baths
0sqft
$1,395,000
--price/sqft
$9,170/moest. monthly cost
$366,800/yrincome needed

About This Home

Situated on Treat Avenue just steps from vibrant 24th Street in San Francisco, this spacious and thoughtfully updated 5-bedroom, 2.5-bath home offers flexibility, comfort, and modern upgrades across three levels. The garage level has been renovated with permits, including a structural upgrades, and features a private one-bedroom, one full-bath layout with its own separate street entrance ideal for extended family, guests, or potential rental income. The second level showcases newly refinished wood floors, a well-appointed kitchen equipped with a new Samsung 5-burner stainless-steel, gas range and matching new Samsung stainless steel refrigerator. The open living and dining area creates a welcoming space for everyday living or entertaining, while an adjacent den or office adds versatility for remote work or creative use. A convenient half bath and direct access to a rear deck complete this level, offering indoor-outdoor flow. Upstairs, the top floor offers newly refinished wood floors, four bedrooms and a full bathroom with jetted tub, providing ample space for family living. The layout offers both functionality and comfort, with good natural light throughout. Most windows in the home are double-paned, enhancing energy efficiency and reducing street noise. With rare 3-car parking; including a one-car garage and two additional uncovered spaces secured behind a garage door, this property blends convenience with city living. There is also a concrete patio area under the deck and laundry area off the garage with stacked washer dryer, cabinetry and a sink. Located in a lively and sought-after neighborhood near shops, renowned restaurants, and public transit, this home delivers a rare combination of size, updates, and parking in one of San Francisco's most dynamic areas.

Getting Around

99
WalkingWalker's Paradise
85
TransitExcellent Transit
100
BikeBiker's Paradise

Schools

2/10
4/10

Construction

Condition

  • Property condition: Updated/Remodeled
  • Year built: 1927

Materials

  • Construction materials: Wood Siding

Type & Style

  • Home type: SingleFamily
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Dishwasher,Free-Standing Gas Oven,Free-Standing Refrigerator,Washer/Dryer Stacked
  • Laundry features: Cabinets,In Garage,Sink

Bedroom1

  • Area: 0

Bedroom2

  • Area: 0

Bedroom3

  • Area: 0

Bedroom4

  • Area: 0

Bedrooms & Bathrooms

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

Dining Room

  • Features: Dining/Family Combo
  • Area: 0

Family Room

  • Area: 0

Features

  • Window features: Dual Pane Partial
  • Flooring: Tile,Wood

Heating & Cooling

  • Heating features: Gas
  • Cooling features: None

Interior Area

  • Total structure area: 0

Kitchen

  • Features: Tile Counters
  • Level: Main
  • Area: 0

Living Room

  • Level: Main
  • Area: 0

Master Bathroom

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

Master Bedroom

  • Features: Closet
  • Area: 0

Property

Details

  • Parcel number: 3640078
  • Attached to another structure: Yes
  • Special condition: Standard

Features

  • Stories: 3
  • Patio & porch: Uncovered Deck
  • Has spa: Yes
  • Spa features: Jetted Tub
  • Fencing: Back Yard,Wood

Lot

  • Lot size: 1,821 sqft

Parking

  • Total spaces: 3
  • Parking features: Attached,Garage Door Opener,Garage Faces Front,Size Limited,Uncovered Parking Space,Independent,On Site (Single Family Only)
  • Has garage: Yes
  • Attached garage spaces: 1
  • Covered spaces: 1
  • Has uncovered spaces: Yes
  • Uncovered spaces: 2

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 $7,053$84,636
Home Insurance *$226$2,712
Property Taxes $1,493$17,916
Electricity $398$4,786
Total$9,170$110,040
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$314,400/yr
40% on housing$275,100/yr
45% on housing$244,533/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

--This listing

vs Other Active Listings

Avg $/sqft

ZIP 94110$639
San Francisco County$694

vs Homes Sold Last Month

Median $/sqft

ZIP 94110$905
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
2026-05-08Pending sale$1,395,000
2026-05-01Listed for sale$1,395,000
2001-10-03Sold$510,000

For Sale by Agent

AgentChristian Buckley
BrokerageVanguard Properties

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