2824 Santiago Street, San Francisco, CA 94116, San Francisco, 94116 - 3 bed, 2 bath
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San Francisco, CA 94116
This Versatile Two-Unit Residence is a High-Potential Investment Opportunity listed at $1,299,000—positioned well below the $1,360,504 Fair Market Value by 4%. This valuation gap provides $61,504 in Instant Equity. Boasting a Move-in Ready Condition, the home features modernized kitchens with stone countertops, refinished hardwood floors, and a spacious backyard patio. Proximity to the 10/10-rated Lowell High School and 9/10-rated Sunset Elementary ensures sustained demand. This is an ideal acquisition for Owner-Occupants seeking a house-hack or Buy-and-Hold Investors targeting high-equity assets.
Comparables within 1 miles sold in recently
| Address | Sold Price | Beds | Baths | Sq Ft | $/Sqft | Distance |
|---|---|---|---|---|---|---|
★ 2824 Santiago Street Subject | $1,299,000* List Price | 3 | 2 | 1,682 | $809 | - |
A 2278 39th Avenue Sold | $1,330,000 | 5 | 3 | 1,628 | $817 | 0.0 mi |
B 2666 44th Avenue Sold | $1,366,000 | 3 | 2 | 1,387 | $985 | 0.5 mi |
C 3400 Vicente Street Sold | $1,358,000 | 3 | 2 | 1,580 | $859 | 0.5 mi |
D 1983 42nd Avenue Sold | $1,550,000 | 4 | 3 | 1,572 | $986 | 0.4 mi |
E 1926 31st Avenue Sold | $1,650,000 | 3 | 2 | 1,792 | $921 | 0.7 mi |
F 2306 25th Avenue Active | $1,195,000 List Price | 3 | 2 | 1,520 | $786 | 0.9 mi |
* Subject property listed price vs sold prices of comps.
Property is move-in ready.
The property is in move-in ready condition with significant recent cosmetic and functional updates. Key features include newly refinished hardwood floors, fresh interior paint, and modernized kitchens equipped with stone countertops and stainless steel appliances. While the structure dates to 1948, the bathrooms have been refreshed with updated fixtures and lighting, and the addition of recessed lighting and a separate lower-level unit demonstrates high maintenance and modern appeal without the need for immediate renovation.
Elementary School: Chinese Immersion School At Deavila (9/10). Middle School: Lilienthal (Claire) Elementary School (9/10). High School: Lowell High School (10/10).
The two-unit configuration with separate entrances provides exceptional flexibility for rental income, multi-generational living, or a private guest suite, significantly enhancing the property's investment appeal.
The residence is move-in ready, featuring recently refinished hardwood floors, fresh interior paint, and modernized kitchens and bathrooms with updated fixtures and stainless steel appliances.
With 1,682 square feet divided between two separate units, the individual living spaces and bedrooms may feel constrained for those accustomed to larger single-family layouts.
The reliance on a shared laundry area and common backyard access may reduce the sense of total autonomy and privacy between the upper and lower occupants.
Welcome to 2824 Santiago Street, a thoughtfully updated two-unit property offering flexible living in a desirable San Francisco neighborhood. Featuring separate upstairs and downstairs units, this residence is ideal for multi-generational living, rental income, or guest accommodations. A shared laundry area w/ washer and dryer is conveniently accessible to both units. The upper level features newly refinished hardwood floors, a bright living room w/ recessed lighting and fireplace, & a dining area with updated lighting. The kitchen offers stone countertops, ample cabinetry, stainless steel appliances, recessed lighting, breakfast bar, & new garbage disposal. The hallway bathroom is refreshed w/ updated fixtures, glass shower door over tub, new mirror, and lighting. Two bedrooms offer great natural light and closet space, including one with an updated ensuite bathroom. Fresh interior paint enhances the move-in ready appeal. The lower level offers a private unit with its own living area, bedroom, kitchen, and bathroom, providing excellent flexibility and privacy. Both units share access to a spacious backyard, ideal for entertaining or relaxing. Conveniently located near shopping, dining, parks, and commuter routes, this property offers versatility and strong investment potential.
No exterior & parking available.
Grades K-5 • 0.4 mi
Grades K-5 • 0.5 mi
Grades K-5 • 0.5 mi
No sensitive facilities data found.
| Feature | Subject | Average Home | Neighborhood Ranking (50 Listings) |
|---|---|---|---|
| Beds | 3.0 | 3.0 | 50% |
| Baths | 2.0 | 2.0 | 50% |
| Square foot | 1,682 | 1,572 | 58% |
| Lot Size | 2,495 | 2,996 | 37% |
| Price | $1.30M | $1.75M | 6% |
| Price per sq ft | $772 | $1.1K | 8% |
| Built year | 1948 | 1941 | 78% |
| HOA | $0 | $0 | 50% |
| Days on market | 69 | 182 | 13% |
Feb 12, 2026
$1,299,000
Initial Listing
Jan 8, 2008
$900,000
Public Record
Feb 28, 2006
$761,000
Public Record