635-637 Spruce St, San Francisco, CA, 94118
About This Home
Discover this unique, income-generating gem in the heart of LAUREL HEIGHTS, one of San Francisco's most coveted neighborhood. This well-maintained building blends Edwardian charm with modern updates, offering a rare for investors or multi-generational buyers. Top Floor (635): A spacious 2 BR + OFFICE / 1 BA. Historical character with original hardwood floor, bay windows, and a signature curved staircase. High ceiling, natural lighting. The kitchen was remodeled within the last year 8 years with stainless steel appliances and premium slow close cabinetry. Middle Unit (637): Bright and Airy 2 BR/1 BA unit an open floor plan and bay windows. Vinyl flooring and high ceilings. Ground level (637A): Fully remodeled in 2025 2BR / 1BA unit. This modern space features brand new hardwood floors, cabinets, new appliances and fresh paint. Convenience: Each unit includes own washer and dryer Privacy: Each unit has its own entrance Outdoor space: Massive, level backyard with large grass lawn Tenancy: 635 and 637 are on a month to month, 637A on a one-year lease, started February 2026 Steps away from Lauren Village shopping center, target, Traders Joes. Enjoy outdoor life with easy access to the presidio and Golden Gate Park. Excellent transit and biking options. Seller is a license broker.
Getting Around
Walker's Paradise
Excellent Transit
Very BikeableSchools
Construction
Condition
- Year built: 1900
Materials
- Foundation: Brick
- Roof: Composition
Type & Style
- Home type: MultiFamily
- Architectural style: Unknown
- Property subType: Triplex,Residential Income
Interior
Appliances
- Appliances included: Dishwasher,Disposal,Microwave,Gas Oven/Range,Refrigerator,Washer/Dryer
Bedrooms & Bathrooms
- Bedrooms: 6
- Bathrooms: 3
Features
- Door features: None
- Window features: None
- Flooring: Carpet,Laminate,Vinyl Linoleum
Heating & Cooling
- Heating features: Wall Furnace
- Cooling features: None
Interior Area
- Total structure area: 1,952
- Total interior livable area: 1,952 sqft
Kitchen
- Features: Countertop_Granite, Countertop_Laminate, Hookups_Gas
Property
Accessibility
- Accessibility features: None
Details
- Parcel number: 1065009
- Zoning: RH2
- Special condition: Standard
Features
- Stories: 3
Lot
- Lot size: 2,996 sqft
- Features: None
Parking
- Parking features: No Garage,On Street
- Carport: Yes
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
- Inland Flooding
How This Home’s Risks Compare
FEMA Declared Disasters in San Francisco County and California
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
| Monthly | Annual | |
|---|---|---|
| Mortgage | $9,076 | $108,912 |
| Home Insurance * | $294 | $3,528 |
| Property Taxes | $3,311 | $39,732 |
| Electricity | $418 | $5,022 |
| Total | $13,099 | $157,188 |
Income You'd Need if You Spent...
California FAIR Plan Programs
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.
Comparing Against the Market
Price Per Sq Ft
vs Other Active Listings
Avg $/sqft
vs Homes Sold Last Month
Median $/sqft
Current Market Trends
Median Price Per Square Foot
The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.
Historicals for This Listing
Zestimate History ($/sqft)
Price History
| Date | Event | Price |
|---|---|---|
| 2026-08-11 | Contingent | $1,690,000 |
| 2026-08-05 | Price change | $1,690,000 |
| 2026-05-13 | Listed for sale | $1,795,000 |
| 1998-03-31 | Sold | $350,000 |
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