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40-44 San Carlos St, San Francisco, CA, 94110

5beds
2baths
2,825sqft
$1,139,000
$403price/sqft
$7,232/moest. monthly cost
$289,280/yrincome needed

About This Home

Located between Mission & Valencia Sts. Duplex in the front and a cute little cottage in the back. Both buildings have a tall basement. Each unit has its own water and PG&E meter

Getting Around

99
WalkingWalker's Paradise
95
TransitRider's Paradise
100
BikeBiker's Paradise

Schools

2/10
1/10
Everett Middle SchoolGrades 6-80.5 mi
3/10
Mission High SchoolGrades 9-120.4 mi

Construction

Condition

  • Year built: 1908

Type & Style

  • Home type: MultiFamily
  • Property subType: Triplex

Interior

Appliances

  • Appliances included: Free-Standing Gas Range

Basement

  • Has basement: Yes
  • Basement: Partially Finished,Storage Space

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 2
  • Full bathrooms: 2

Cooling

  • Cooling features: None

Interior Area

  • Total structure area: 2,825
  • Total interior livable area: 2,825 sqft

Property

Details

  • Parcel number: 3576031
  • Special condition: Standard

Features

  • Levels: Three Or More

Lot

  • Lot size: 2,000 sqft
  • Features: Garden

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 $5,759$69,108
Home Insurance *$185$2,220
Property Taxes $683$8,196
Electricity $605$7,269
Total$7,232$86,784
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$247,954/yr
40% on housing$216,960/yr
45% on housing$192,853/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

$403This listing

vs Other Active Listings

Avg $/sqft

ZIP 94110$642
San Francisco County$695

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
2026-08-13Pending sale$1,139,000
2026-07-03Price change$1,139,000
2026-06-18Pending sale$1,229,000
2026-06-01Price change$1,229,000
2026-04-22Listed for sale$1,349,000

Pre-Foreclosure - For Sale by Agent

AgentKarla Melara
BrokerageCentury 21 Baldini Realty

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