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425-431 Linden St, San Francisco, CA, 94102

4beds
4baths
2,260sqft
$2,100,000
$929price/sqft
$13,842/moest. monthly cost
$553,680/yrincome needed

About This Home

Nestled in the heart of Hayes Valley, one of the city's most vibrant and walkable neighborhoods, this charming 4-unit apartment building presents a rare opportunity for both investors and owner-occupants. The property consists of 4 spacious 1BR/1BA residences with 2 independent parking garage spaces. 3 units are tenant-occupied, and 1 unit is delivered vacant with 1 exceptionally spacious parking garage. This building offers flexibility for an investor looking for immediate and stable rental income or as an owner-user looking to live in 1 unit and offset their mortgage with the passive income. With positive cash flow and upside potential, this asset offers both stability and appreciation where investors can capitalize on strong rental demand in a highly coveted, prime central location. The updated residences feature modern kitchens with stainless steel appliances and granite countertops, hardwood flooring, and abundant natural light. A shared laundry room is conveniently located inside the building on the ground floor. Positioned just steps from the Patricia Green Hayes Valley Park and surrounded by award-winning and Michelin-starred dining including Rich Table, State Bird Provisions, and The Progress, this neighborhood is a magnet for high-quality tenants. With a walk score of 99, Trader Joes, trendy boutiques, acclaimed cafs, cultural venues such as SFJAZZ Center and the Symphony, major transit lines, tech shuttle stops, and freeway access are all within easy reach. Whether you are seeking a stable, income-producing asset with built-in cash flow, or a long-term hold with appreciation, this desirable property offers a rare blend of location, flexibility, and investment strength in one of the city's most popular enclaves.

Getting Around

99
WalkingWalker's Paradise
100
TransitRider's Paradise
89
BikeVery Bikeable

Schools

6/10
2/10
3/10
Mission High SchoolGrades 9-121.0 mi

Construction

Condition

  • Property condition: Updated/Remodeled
  • Year built: 1925

Type & Style

  • Home type: MultiFamily
  • Property subType: Quadruplex

Interior

Appliances

  • Appliances included: Free-Standing Gas Range,Free-Standing Refrigerator,Microwave

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 4
  • Full bathrooms: 4

Interior Area

  • Total structure area: 2,260
  • Total interior livable area: 2,260 sqft

Property

Details

  • Parcel number: 0818006A
  • Special condition: Standard

Features

  • Levels: Three Or More

Lot

  • Lot size: 1,650 sqft
  • Features: None

Parking

  • Total spaces: 2
  • Parking features: Garage
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered 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
    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 $10,618$127,416
Home Insurance *$678$8,136
Property Taxes $2,062$24,744
Electricity $484$5,815
Total$13,842$166,104
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$474,582/yr
40% on housing$415,260/yr
45% on housing$369,120/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

$929This listing

vs Other Active Listings

Avg $/sqft

ZIP 94102$388
San Francisco County$694

vs Homes Sold Last Month

Median $/sqft

ZIP 94102$754
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
2026-04-01Price change$2,100,000
2026-03-04Listed for sale$2,200,000
2025-06-20Listing removed$2,200,000
2025-04-02Listed for sale$2,200,000
2023-05-17Sold$1,399,000

For Sale by Agent

AgentBill Mar
BrokerageMetapoint

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