104 Charter Oak Avenue, San Francisco, CA 94124, San Francisco, 94124 - 2 bed, 1 bath
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104 Charter Oak Avenue
San Francisco, CA 94124
ACTIVE
CONDITION: POOR
2Beds
1Baths
1,531Sq Ft
2,496Lot Size
Property Price
LIST PRICE$849,000
EST. MARKET VALUE
$928,254
8% BelowMARKET VALUE
SUMMARY
This Single Family Residence presents a Strong Value Opportunity with a List Price of $949,000—positioned well below the $1,013,277 Fair Market Value by 6%. This valuation gap offers $64,277 in Instant Equity for buyers. Featuring a Condition Rating of 5, the property requires modernization, yet offers a versatile layout, elevated city views, and rare parking flexibility. This is an ideal acquisition for Buy-and-Hold Investors or Owner-Occupants ready to execute a value-add renovation in a prime San Francisco location.
Estimated Market Value
$928,254+$79,254 Equity Potential
Based on Realkey algorithm analyzing recent comparable sales in San Francisco.
Comparable Sales Map
Comparables within 1 miles sold in recently
Map unavailable.
| Address | Sold Price | Beds | Baths | Sq Ft | $/Sqft | Distance |
|---|---|---|---|---|---|---|
★ 104 Charter Oak Avenue Subject 2 bd · 1 ba · 1,531 sqft · $606 | $849,000* List Price | 2 | 1 | 1,531 | $606 | - |
A 1515 Underwood Avenue Sold 3 bd · 2 ba · 1,500 sqft · $633 · 0.9 mi | $948,888 | 3 | 2 | 1,500 | $633 | 0.9 mi |
B 1535 Mckinnon Ave Sold 3 bd · 1 ba · 1,348 sqft · $482 · 0.9 mi | $650,000 | 3 | 1 | 1,348 | $482 | 0.9 mi |
C 2063 Carroll Avenue Sold 4 bd · 2 ba · 1,944 sqft · $566 · 0.5 mi | $1,100,000 | 4 | 2 | 1,944 | $566 | 0.5 mi |
D 80 Conkling St Pending 0 bd · 1 ba · 1,308 sqft · $661 · 0.2 mi | $865,000 List Price | 0 | 1 | 1,308 | $661 | 0.2 mi |
* Subject property listed price vs sold prices of comps.
Condition Analysis
See Full ReportOVERALL CONDITION SCORE
Poor
TeardownExcellent
Property is extensive renovation needed.
Built in 1960 with no evidence of recent renovations. The bathroom features dated tiling and fixtures likely over 30 years old. The listing description explicitly calls for a buyer to 'bring their vision,' indicating a need for significant rehab and modernization of systems and finishes.
PROSSTRENGTHS & OPPORTUNITIES
- Great Schools
Elementary School: Chinese Immersion School At Deavila (9/10). Middle School: Lilienthal (Claire) Elementary School (9/10). High School: Lowell High School (10/10).
- Excellent Parking & Privacy
Situated at the end of a quiet turnaround shared by just two homes, the property offers minimal through traffic and rare San Francisco parking flexibility with both an attached garage and driveway.
- Versatile Layout with Flex Space
The entry level features additional rooms, a family area, and an extra bathroom, providing excellent versatility for a home office, guest quarters, or multi-generational living.
CONSRISKS & DEFICIENCIES
- Permit & Compliance Due Diligence
The listing explicitly requires the buyer to investigate permits and approved use for the square footage and lower-level rooms, indicating potential unpermitted updates that may require legalization.
- Low-Rated Neighborhood Schools
The closest public schools, including Thurgood Marshall High School and Paul Revere Elementary, have low performance ratings, which may be a concern for buyers with school-aged children.
About 104 Charter Oak Avenue
Opportunity awaits in this spacious San Francisco home featuring 2 bedrooms and 1 bathroom per public record. Tucked at the end of a quiet turnaround shared by only two homes, the property offers minimal through traffic and convenient parking flexibility, an uncommon benefit in the city. The upper level features light-filled living and dining areas, parquet wood flooring, a kitchen, full bathroom with skylight, 2 bedrooms, and elevated city and hillside outlooks. The entry level includes additional rooms, a family/flex area, laundry area, and an additional bathroom, offering versatile possibilities. Attached garage, driveway parking, rear deck, and backyard. The rear yard also contains a shed and a separate structure with windows. An excellent opportunity for a buyer ready to bring their vision and personal touches. Buyer to investigate permits, approved use, dimensions, square footage, parking restrictions, and property condition to their satisfaction.
Property Details
Public Facts
- Property Type
- Single Family Residence
- Year Built
- 1960
- Lot Size
- 2,496 Sq. Ft.
Interior
- Total Bedrooms
- 2
- Total Bathrooms
- 1 (1 Full, 0 Half)
Exterior & Parking
No exterior & parking available.
Utilities & Misc
- HOA Fee
- $0 / Month
Neighborhood Insights
San Francisco Unified Schools
Drew (Charles) College Preparatory Academy
Grades K-5 • 0.7 mi
1/10
Fairmount Elementary School
Grades K-5 • 1.2 mi
2/10
King (Starr) Elementary School
Grades K-5 • 1.2 mi
6/10
Sensitive Facilities
No sensitive facilities data found.
Neighborhood Comparison
| Feature | Subject | Average Home |
|---|---|---|
| Beds | 2.0 | 3.0 |
| Baths | 1.0 | 2.0 |
| Square foot | 1,531 | 1,757.739 |
| Lot Size | 2,496 | 2,673.006 |
| Price | $849.0K | $1.97M |
| Price per sq ft | $555 | $1.2K |
| Built year | 1960 | 1931 |
| HOA | $0 | $176 |
| Days on market | 36 | 45 |
Pricing History
Listed for Sale
Oct 7, 2026
$849,000
$949,000
-11% Price Drop
Initial Listing
Price Change
Sep 18, 2026
$949,000
Initial Listing
Sold
Jun 30, 2004
$550,000
Public Record