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280-282 Fair Oaks St, San Francisco, CA, 94110

5beds
0baths
3,092sqft
$4,295,000
$1,389price/sqft
$29,188/moest. monthly cost
$1,167,520/yrincome needed

About This Home

Beautifully renovated light filled flats with wide-plank oak floors, high ceilings, open floor plans and abundant outdoor space. Built in 1900 per tax records and lovingly updated with new kitchen, baths, drywall, plumbing and electrical. Top floor unit has 3BR/2BA plus finished bonus room next to garage. Additional deck attached to the living area. Comes with access to the roof above the garage- please see photos and ask agent for details. First floor unit has a perfect layout with a legitimate home office area, plus sunny, massive patio that awaits your vision.Fair Oaks is a special, peaceful street off the hustle and bustle of Guerrero and 24th St. Parking is one on premisis garage and one free leased spot one block away for one year, then would be paid at a market rate after that if you want it. In a phenomenal neighborhood between the 24th St Noe corridor and the the vibrant Mission, this is a great opportunity.

Getting Around

99
WalkingWalker's Paradise
83
TransitExcellent Transit
76
BikeVery Bikeable

Schools

8/10
2/10
3/10
Mission High SchoolGrades 9-120.7 mi

Construction

Condition

  • Property condition: Updated/Remodeled
  • Year built: 1900

Materials

  • Construction materials: Wood

Type & Style

  • Home type: MultiFamily
  • Property subType: Duplex

Interior

Appliances

  • Appliances included: Washer/Dryer
  • Laundry features: In Unit

Bedrooms & Bathrooms

  • Bedrooms: 5

Features

  • Flooring: Wood

Heating

  • Heating features: Central

Interior Area

  • Total structure area: 3,092
  • Total interior livable area: 3,092 sqft

Property

Details

  • Parcel number: 3648014
  • Special condition: Standard

Lot

  • Lot size: 2,935 sqft
  • Features: None

Parking

  • Total spaces: 2
  • Parking features: Garage,Garage Door Opener,Inside Entrance
  • Has garage: Yes
  • Attached garage spaces: 1
  • Covered spaces: 1

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
  • 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 $21,717$260,604
Home Insurance *$698$8,376
Property Taxes $6,110$73,320
Electricity $663$7,956
Total$29,188$350,256
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$1,000,731/yr
40% on housing$875,640/yr
45% on housing$778,346/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

$1,389This listing

vs Other Active Listings

Avg $/sqft

ZIP 94110$632
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)

Price History

DateEventPrice
2026-07-29Listed for sale$4,295,000
2025-03-14Sold$1,575,000

For Sale by Agent

AgentCallum C. Hutchins
BrokerageSotheby's International Realty

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