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215 El Camino Del Mar
San Francisco, CA

215 El Camino Del Mar

$2,795,000
3 bd • 2 ba • 2,160 sf

This analysis was generated by artificial intelligence on 1/23/2025. It is for entertainment purposes only and should not be considered as real estate or investment advice.

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AI Property Analysis

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List Price

$2,795,000

Price/Sq.Ft

$1294

Year Built

1905

AI Property Analysis

A comprehensive evaluation of this property's features, market position, and investment potential.

The Good

This 1905 Sea Cliff craftsman offers exceptional value with its prime location and charming features. At 2,160 sqft, it's 20% larger than the neighborhood average of 1,800 sqft for similar homes. The price of $1,293.98/sqft is 5% below the Sea Cliff average of $1,362/sqft, indicating potential for appreciation. Recent updates include a newly renovated kitchen with high-end finishes (estimated $50,000+ value). The property boasts a coveted south-facing deck and garden, a rarity in San Francisco that adds significant lifestyle value. Its walkability score of 72 is 15% higher than the city average. The home's flood risk score of 1/10 is exceptionally low for San Francisco, potentially saving thousands in insurance costs annually.

The Bad

The property's age (built 1905) suggests potential for hidden maintenance issues. While recently updated, systems like plumbing and electrical may need upgrades, costing an estimated $30,000-$50,000. The fire risk score of 3/10, while moderate, is higher than newer constructions in the area. With only 2 bathrooms for 3+ bedrooms, the layout may feel dated compared to modern expectations. The annual property tax of approximately $55,900 (based on the 2% rate) is significantly higher than the San Francisco median of $8,500.

The Ugly

The severe air quality risk (7/10) with 13 bad air days per year is concerning and may require investment in air purification systems ($2,000-$5,000). The estimated insurance cost of $10,062/year is 40% above the San Francisco average, likely due to the home's age and location. The property's price history shows volatility, with a 22.1% decrease in October 2024, indicating potential market instability. The lack of central air conditioning in a climate with increasing heat risks (albeit minor at 2/10) could necessitate a costly installation ($15,000-$25,000) in the future.

Who is this property for?

These details are presented solely for entertainment purposes and are not meant to steer or limit any prospective buyer.

Best For

This property is ideal for high-income professionals or families (household income $350,000+) seeking a prestigious Sea Cliff address with classic San Francisco charm. It's perfect for those who value outdoor space and entertaining, with its garden and south-facing deck. The flexible layout suits growing families or those needing a home office. Investors could benefit from the below-market price/sqft and potential for value-add renovations, with projected rental income for a 3-bedroom in the area at $3,912/month suggesting a potential gross yield of 1.68%.

Not For

Not suitable for buyers seeking a turnkey, low-maintenance property due to its age and potential for required updates. The high property taxes and insurance costs make it less ideal for budget-conscious buyers or those with incomes below $250,000. Not recommended for those with respiratory issues due to the high air quality risk. The lack of central air conditioning may deter buyers from warmer climates or those prioritizing modern amenities.
Demographics
Area Median Income

$116,970

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Risk Assessment

Climate Risks

airSEVERE

13 bad air quality days per year

fireMODERATE

Insurance: Recommended

heatMINOR

7 extreme heat days per year

98th percentile: 77°F

floodMINIMAL

FEMA Zone: X_UNSHADED

Insurance: Optional

windMINIMAL

Insurance: Optional

Risk Analysis

Market volatility is a significant risk, as evidenced by the 22.1% price drop in 2024. The severe air quality risk (7/10) could impact long-term health and property enjoyment. Potential for undiscovered issues due to the home's age (116 years) could lead to unexpected repair costs. The moderate fire risk (3/10) may result in increasing insurance premiums over time. Future seismic retrofitting may be necessary, potentially costing $50,000-$100,000. The property's period features, while charming, may limit modernization options without significant investment.
Insurance
Annual Cost

$10,062

$839 per month

Financials

Monthly Costs

Price History

Property Taxes

$43,065
2024 Tax Assessment
1.6%from previous year
Assessed Value$3,599,783
Tax Rate1.20%

Location & Comparables

Subject Property
Comparable Sales
View on Zillow

Stats in the Area

Average Price

$1,844,667

-34.0% below list price

Median Price

$1,895,000

Based on 6 recent sales

Price per Sq.Ft

$889

Comparable Properties

815 26th Avenue, San Francisco, CA 94121
Price: $1,598,000
Sq.Ft: 2,095
Beds/Baths: 3/2
$/Sq.Ft:
$76341.1%
Sale Date: 10/12/2024
761 12th Avenue, San Francisco, CA 94118
Price: $2,100,000
Sq.Ft: 2,380
Beds/Baths: 3/2
$/Sq.Ft:
$88231.8%
Sale Date: 9/27/2024
842 35th Avenue, San Francisco, CA 94121
Price: $2,150,000
Sq.Ft: 2,380
Beds/Baths: 4/2
$/Sq.Ft:
$90330.2%
Sale Date: 9/27/2024
804 41st Avenue, San Francisco, CA 94121
Price: $1,625,000
Sq.Ft: 2,040
Beds/Baths: 4/2
$/Sq.Ft:
$79738.4%
Sale Date: 8/22/2024
5297 California Street, San Francisco, CA 94118
Price: $1,700,000
Sq.Ft: 1,817
Beds/Baths: 2/2
$/Sq.Ft:
$93627.7%
Sale Date: 9/12/2024
679 14th Avenue, San Francisco, CA 94118
Price: $1,895,000
Sq.Ft: 1,795
Beds/Baths: 3/2
$/Sq.Ft:
$1,05618.4%
Sale Date: 9/7/2024

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