164 Bernard Street, San Francisco, CA 94109, San Francisco, 94109 - 5 bed, 2 bath
164 Bernard Street
San Francisco, CA 94109
Property Price
SUMMARY
Analysis of 164 Bernard Street, San Francisco, CA 94109 is currently available with a list price of $2,300,000. The property maintains a Good Condition Rating (78/100), reflecting solid structural condition with well-maintained systems. The property presents an attractive opportunity for buyers seeking a move-in ready home. Located in a high-demand neighborhood within the San Francisco Unified School District, this asset is categorized as a low-risk, high-reward acquisition suitable for both Buy-and-Hold Investors and Owner-Occupants willing to undertake light renovation work.
Condition Analysis
OVERALL CONDITION SCORE
Property is move-in ready.
Despite being built in 1908, this property has undergone significant and recent renovations, particularly evident in the kitchen and bathrooms. The kitchen features modern stainless steel appliances, contemporary island with butcher block countertops, and recessed lighting. While some cabinet colors might be a matter of taste, the overall functionality and condition are very good. Both bathrooms are extensively updated with modern tiling, vanities, and fixtures, appearing to be in excellent condition. Hardwood floors are present throughout and are well-maintained. The property is move-in ready with no immediate renovations required, aligning with the 'Good' criteria for properties extensively renovated within the last 5 to 15 years.
PROSSTRENGTHS & OPPORTUNITIES
- Prime Location
Situated in a highly desirable San Francisco neighborhood, offering excellent access and appreciation potential.
- Rooftop View Potential
Significant value-add opportunity to construct a rooftop deck with panoramic Bay and Golden Gate Bridge views.
- Spacious & Versatile Layout
Generous 2,300 sqft with 5 bedrooms and 3 bathrooms (per description), functioning as a single-family home while legally a 2-unit, offering flexible living or income options.
CONSRISKS & DEFICIENCIES
- Historic Property Age
Built in 1908, the property's age may necessitate future investments in system updates or ongoing maintenance.
- Small Lot Size
The 1,380 sqft lot offers limited private outdoor space, which may be a consideration for some buyers.
- Bathroom Count Discrepancy
A notable difference exists between the description (3 bathrooms) and the structured data (2 bathrooms), requiring verification for accurate representation.
About 164 Bernard Street
This 2,300-square-foot home features five bedrooms and three bathrooms on two levels, a spacious kitchen with an eat-in dining area. This property has the potential to build a beautiful rooftop with views of the Bay and the Golden Gate Bridge. It will be delivered vacant at the close of escrow. The property lives like a single-family home but is technically a 2-unit. All done with proper permits.
Property Details
Public Facts
- Property Type
- Duplex
- Year Built
- 1908
- Lot Size
- 1,380.85 Sq. Ft.
Interior
- Total Bedrooms
- 5
- Total Bathrooms
- 2 (2 Full, 0 Half)
Exterior & Parking
No exterior & parking available.
Utilities & Misc
- HOA Fee
- $0 / Month
Neighborhood Insights
Sensitive Facilities
No sensitive facilities data found.
Neighborhood Comparison
| Feature | Subject | Average Home | Neighborhood Ranking (50 Listings) |
|---|---|---|---|
| Beds | 5.0 | 5.0 | 50% |
| Baths | 2.0 | 2.0 | 50% |
| Square foot | 2,280 | 2,890 | 44% |
| Lot Size | 1,380.85 | 2,404.51 | 33% |
| Price | $2.30M | $2.13M | 56% |
| Price per sq ft | $1.0K | $367 | 78% |
| Built year | 1908 | 1908 | 50% |
| HOA | $0 | $0 | 50% |
| Days on market | 165 | 203 | 22% |
Pricing History
Listed for Sale
Sep 23, 2025
$2,300,000
Initial Listing