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735 Geary St APT 103, San Francisco, CA, 94109

1beds
1baths
0sqft
$625,000
--price/sqft
$4,221/moest. monthly cost
$168,840/yrincome needed

About This Home

Elegant and refined, this rear-facing residence in a classic 1920s boutique building embodies the enduring charm of Lower Nob Hill. Taken down to the studs and reimagined with modern systems and finishes, the home retains its rich period detail, including decorative moldings, French casement windows, ornamental plasterwork, and hardwood floors, while offering the ease of a contemporary renovation. The bright, generously scaled living room is anchored by two oversized French windows overlooking the tranquil, landscaped shared garden, creating a quiet retreat from the city. Recessed lighting throughout enhances the home's warmth and functionality, complementing the natural light. The remodeled eat-in kitchen features stainless steel appliances, white shaker cabinetry, Caesarstone counters and a gas range, blending style with everyday practicality. A true architectural standout, the distinctive circular bedroom evokes a romantic, French-inspired sensibility, complete with intricate plaster garlands, paneled moldings, and elegant French doors. Just beyond, a dedicated office nook provides flexible space for work or creative use. Additional highlights include an updated bathroom with soaking tub, in-home laundry hookups, generous closet space, a reimagined former Murphy bed closet for enhanced storage, and all-new lighting throughout. Set within a well-maintained 21-unit building, this home enjoys a premier location near Union Square, acclaimed dining, theaters, museums, BART, and neighborhood cafsoffering an ideal pied--terre or sophisticated city residence that captures the very best of classic San Francisco living.

Getting Around

99
WalkingWalker's Paradise
100
TransitRider's Paradise
78
BikeVery Bikeable

Schools

3/10
Tenderloin CommunityGrades K-50.4 mi
5/10
Francisco Middle SchoolGrades 6-81.3 mi
7/10
Galileo High SchoolGrades 9-121.3 mi

Construction

Condition

  • Property condition: Updated/Remodeled

Type & Style

  • Home type: SingleFamily
  • Property subType: Tenancy in Common

Interior

Appliances

  • Laundry features: Hookups Only

Bedroom1

  • Area: 0

Bedroom2

  • Area: 0

Bedroom3

  • Area: 0

Bedroom4

  • Area: 0

Bedrooms & Bathrooms

  • Bedrooms: 1
  • Bathrooms: 1
  • Full bathrooms: 1

Dining Room

  • Area: 0

Family Room

  • Area: 0

Features

  • Formal Entry
  • Flooring: Wood

Interior Area

  • Total structure area: 0

Kitchen

  • Features: Quartz Counter
  • Area: 0

Living Room

  • Area: 0

Master Bedroom

  • Area: 0

Property

Details

  • Parcel number: 031925A
  • Attached to another structure: Yes
  • Special condition: Standard

Lot

  • Lot size: 6,403 sqft

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 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 $3,160$37,920
Home Insurance *$288$3,456
Property Taxes $375$4,500
Electricity $398$4,786
Total$4,221$50,652
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$144,720/yr
40% on housing$126,630/yr
45% on housing$112,560/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

--This listing

vs Other Active Listings

Avg $/sqft

ZIP 94109$788
San Francisco County$695

vs Homes Sold Last Month

Median $/sqft

ZIP 94109$966
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
2026-04-17Listed for sale$625,000

For Sale by Agent

AgentMaryanne Diaz
BrokerageCompass

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