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3121-3125 Castro St, San Francisco, CA, 94131

6beds
5baths
3,154sqft
$1,710,000
$542price/sqft
$11,425/moest. monthly cost
$457,000/yrincome needed

About This Home

Mixed-Use Investment Opportunity in Glen Park Rare opportunity to own a prime mixed-use corner property in the highly desirable Glen Park neighborhood of San Francisco. Located at Castro and Chenery Streets, this well-positioned 3-unit building offers a unique combination of residential income, commercial potential, and future development opportunities. The property consists of two residential units and one commercial space. 3121 Castro Street features a 1-bedroom, 1-bathroom layout with a living room and kitchen. 3125 Castro Street offers a spacious 3-bedroom, 2-bathroom floor plan with a living room, formal dining area, fireplace, and a functional multi-level layout, with one bathroom upstairs and one downstairs. A washer and dryer are conveniently located in the garage. The property also includes two garages located at the front of the building. Both residential units enjoy access to the rear yard. The commercial space at 598 Chenery Street was formerly home to the well-known Destination Bakery, a beloved neighborhood business that operated at this location for more than 20 years. The corner commercial presence offers exceptional visibility and strong potential for owner-users or investors seeking additional income opportunities. According to City Structures, the property carries an impressive Development Score of 100, presenting substantial future upside potential for investors and developers alike. Ideally situated in Glen Park, the property is within close proximity to local cafes, bakeries, restaurants, shopping, and public transportation, offering convenience and strong neighborhood appeal Disclaimer: All property information, including development potential, zoning, use possibilities, square footage, permits, and future expansion opportunities, should be independently verified by the buyer. Buyers are advised to conduct their own investigations with a licensed architect and the City and County of San Francisco to determine the property's suitability for their intended use and to fully understand any development potential or restrictions.

Getting Around

89
WalkingVery Walkable
83
TransitExcellent Transit
69
BikeBikeable

Schools

6/10
2/10
8/10
Balboa High SchoolGrades 9-121.1 mi

Construction

Condition

  • Property condition: Original
  • Year built: 1931

Type & Style

  • Home type: MultiFamily
  • Property subType: Mixed Use

Interior

Bedrooms & Bathrooms

  • Bedrooms: 6
  • Bathrooms: 5
  • Full bathrooms: 5

Interior Area

  • Total structure area: 3,154
  • Total interior livable area: 3,154 sqft

Property

Details

  • Parcel number: 6727023A
  • Special condition: Trust

Features

  • Levels: Two
  • Stories: 2

Lot

  • Lot size: 2,665 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
    EarthquakeModerate
  • 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 $8,646$103,752
Home Insurance *$188$2,256
Property Taxes $1,915$22,980
Electricity $676$8,116
Total$11,425$137,100
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$391,714/yr
40% on housing$342,750/yr
45% on housing$304,666/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

$542This listing

vs Other Active Listings

Avg $/sqft

ZIP 94131$738
San Francisco County$694

vs Homes Sold Last Month

Median $/sqft

ZIP 94131$1,091
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
2026-07-09Price change$1,710,000
2026-05-22Listed for sale$1,850,000

For Sale by Agent

AgentRandy Romero
BrokerageVanguard Properties

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