3545 20th Street, San Francisco, CA 94110, San Francisco, 94110 - 8 bed, 2 bath
3545 20th Street
San Francisco, CA 94110
Property Price
SUMMARY
Analysis of 3545 20th Street, San Francisco, CA 94110 is currently available with a list price of $2,399,000. The property maintains a Poor Condition Rating (30/100), indicating the property requires renovation and updates to maximize its market potential. This presents opportunities for value-add investors. 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 Experienced Investors and Fix-and-Flip Specialists.
Condition Analysis
OVERALL CONDITION SCORE
Property is extensive renovation needed.
Built in 1900, this property shows significant signs of age and deferred maintenance. While some areas have fresh paint and newer laminate flooring, the kitchen features basic, dated wood cabinets and tile, and the bathrooms have very basic fixtures and tile, suggesting renovations from 30-50 years ago. The stairwell is in poor condition with peeling paint and worn steps. The 8-bedroom, 2-bathroom configuration is functionally inadequate, and the absence of a cooling system, laundry, and garage further indicates a need for substantial rehabilitation to meet modern living standards.
PROSSTRENGTHS & OPPORTUNITIES
- Mixed-Use & Income Potential
Highly versatile property with explicit mixed-use zoning/potential, allowing for residential, office, retail, or coffee shop use on the first floor, offering significant income generation opportunities.
- Exceptional Size & Capacity
Boasting 3,432 sq ft and 8 bedrooms, this property provides expansive living space, ideal for large families, multi-generational living, or maximizing rental income through co-living arrangements.
- Prime Urban Location
Situated in a vibrant San Francisco neighborhood, offering unparalleled access to city amenities, cultural attractions, and employment hubs, ensuring strong demand and appreciation potential.
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-to-Bedroom Ratio
With 8 bedrooms and only 2 bathrooms, the property presents a significant functional challenge for a large household or multiple occupants, potentially requiring costly renovations.
- Lack of Cooling System
The absence of a cooling system could be a notable discomfort during warmer months, potentially impacting tenant comfort or resale value without an upgrade.
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
- 8
- 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 | 8.0 | 3.0 | 99% |
| Baths | 2.0 | 2.0 | 50% |
| Square foot | 3,432 | 1,377 | 99% |
| Lot Size | 1,870 | 2,000 | 46% |
| Price | $2.40M | $1.57M | 85% |
| Price per sq ft | $699 | $989 | 21% |
| Built year | 1900 | 1909 | 31% |
| HOA | $0 | $0 | 50% |
| Days on market | 373 | 191 | 96% |
Pricing History
Listed for Sale
Jan 7, 2026
$2,399,000
$1,900,000
+26% Price Increase
Initial Listing
Price Change
Feb 27, 2025
$1,900,000
Initial Listing