3545 20th Street, San Francisco, CA 94110, San Francisco, 94110 - 10 bed, 3 bath
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3545 20th Street
San Francisco, CA 94110
ACTIVE
CONDITION: FAIR
10Beds
3Baths
3,432Sq Ft
1,870Lot Size
Property Price
LIST PRICE$2,700,000
EST. MARKET VALUE
$2,559,238
5% AboveMARKET VALUE
SUMMARY
This Versatile Mixed-Use Asset is listed at $2,399,000, representing a stable entry point near its $2,372,988 Fair Market Value. Featuring a Condition Rating of 4, the 1900-built structure offers 3,432 square feet of modern-industrial space with high ceilings and hardwood flooring. The flexible layout supports a first-floor retail or office space combined with an expansive eight-bedroom residence. Despite the bathroom-to-bedroom ratio, the property’s scale within the San Francisco Unified School District provides immense repositioning upside. This is a prime acquisition for Value-Add Investors or Owner-Users.
Estimated Market Value
$2,559,238
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 |
|---|---|---|---|---|---|---|
★ 3545 20th Street Subject | $2,700,000* List Price | 10 | 3 | 3,432 | $746 | - |
A Hill Street Pending | $2,198,888 List Price | 6 | 3 | 2,924 | $752 | 0.2 mi |
* Subject property listed price vs sold prices of comps.
Condition Analysis
See Full ReportOVERALL CONDITION SCORE
Fair
TeardownExcellent
Property is moderate renovation needed.
Built in 1900, this mixed-use property features a modern-industrial aesthetic with updated concrete and hardwood flooring and an open-plan kitchen. However, it exhibits significant functional obsolescence with only two bathrooms serving eight bedrooms, a lack of cooling and laundry facilities, and aged electrical heating, suggesting it has been maintained but not comprehensively renovated to modern standards.
PROSSTRENGTHS & OPPORTUNITIES
- Versatile Mixed-Use Potential
The property offers a unique live-work-play layout with a first floor suitable for retail, office, or a coffee shop, providing excellent flexibility for entrepreneurs or investors.
- Expansive Square Footage
Boasting 3,432 square feet of living space and eight bedrooms, this property provides rare scale and significant growth potential in a dense urban market.
- Architectural Character
High ceilings and a blend of hardwood and concrete flooring throughout the 1900s structure offer a grand sense of space and modern-industrial aesthetic.
CONSRISKS & DEFICIENCIES
- Low Available Lot Utilization
The property has a small lot size, more than 70 percent of which is taken by its living area. lot size in square feet = 1870, living area = 3432.
- Inadequate Bathroom Ratio
With eight bedrooms but only two bathrooms, the current configuration is functionally challenging for large families or high-occupancy residential use.
- Lack of Essential Amenities
The absence of dedicated garage parking, a cooling system, and a laundry area may necessitate further capital investment to meet modern buyer expectations.
About 3545 20th Street
Welcome to this expansive 8-bedroom mixed use property located in the vibrant city of San Francisco. Work ,live and play lifestyle. First floor can be an office /retail or a coffee shop with indoor and outdoor setting or seating area.With a generous 3,432 sq ft of living space, this property offers a versatile layout perfect for large families or those looking for ample room to grow. The kitchen is equipped with an electric cooktop and other countertop surfaces, seamlessly connecting to a combined family room for a modern open-plan living experience. The dining area is conveniently situated within the living room, enhancing the ease of entertaining. The property features a mix of concrete, hardwood, and other flooring, adding character and durability throughout. High ceilings add to the sense of space and grandeur. Note the absence of a cooling system, but heating is provided via baseboard and electric sources. San Francisco Unified School District serves this location. While there is no dedicated laundry area or garage spaces, the property's ample size compensates with abundant potential. Ideal for those seeking a spacious residence in a prime urban setting.
Property Details
Public Facts
- Property Type
- Single Family Residence
- Year Built
- 1900
- Lot Size
- 1,870 Sq. Ft.
Interior
- Total Bedrooms
- 10
- Total Bathrooms
- 3 (3 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 |
|---|---|---|
| Beds | 10.0 | 3.0 |
| Baths | 3.0 | 2.0 |
| Square foot | 3,432 | 1,711.807 |
| Lot Size | 1,870 | 2,637.135 |
| Price | $2.70M | $1.93M |
| Price per sq ft | $787 | $1.2K |
| Built year | 1900 | 1932 |
| HOA | $0 | $85 |
| Days on market | 560 | 48 |
Pricing History
Listed for Sale
Apr 29, 2026
$2,700,000
$2,399,000
+13% Price Increase
Initial Listing
Price Change
Jan 7, 2026
$2,399,000
$1,900,000
+26% Price Increase
Initial Listing
Price Change
Feb 27, 2025
$1,900,000
Initial Listing