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2507 30th Ave
San Francisco, CA

2507 30th Ave

$1,498,000
4 bd • 4 ba • 2,250 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.

List Price

$1,498,000

Price/Sq.Ft

$666

Year Built

1927

AI Property Analysis

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

The Good

This Marina-Style home at 2507 30th Ave offers exceptional value in the desirable Parkside neighborhood of San Francisco. At 2,250 sqft, it's 12.5% larger than the median home size in the area (2,000 sqft). The price per square foot of $665.78 is competitive for the neighborhood, which averages around $700/sqft. The property boasts 4 bedrooms and 4 bathrooms, providing ample space for families or those needing a home office. Recent updates and modern amenities significantly enhance the property's value. The chef's kitchen with stainless steel appliances and quartz countertops adds approximately $30,000-$40,000 in value. Solar panels, an increasingly desirable feature in eco-conscious San Francisco, can save homeowners an estimated $1,500-$2,000 annually on energy costs. The home's location is a major selling point. It's situated in a quiet block, yet close to amenities. The property is 0.3 miles from Feinstein Elementary School (rated 6/10) and 0.6 miles from Lincoln High School (rated 7/10), making it attractive for families. The proximity to restaurants and shopping on Taraval Street, Parkside Square Park, and Stern Grove adds to its appeal. Climate risk is exceptionally low, with minimal flood (1/10), fire (1/10), heat (1/10), and wind (1/10) risks. This is significantly better than many San Francisco properties and could lead to lower insurance premiums. The 2-car parking is a valuable asset in parking-scarce San Francisco, potentially adding $50,000-$75,000 to the property's value. The flexible lower level with a kitchenette offers potential rental income, conservatively estimated at $2,000-$2,500 per month based on local rental rates.

The Bad

While the property has many positive attributes, there are some potential drawbacks to consider. The home's age (built in 1927) may necessitate ongoing maintenance and potential system upgrades. Homes of this era often require updates to electrical, plumbing, and HVAC systems, which could cost $20,000-$30,000 over the next 5-10 years. The property's price of $1,498,000, while competitive, is still 11.1 times the median household income of $134,652 in the area. This high price-to-income ratio could limit the pool of potential buyers and may impact future appreciation. The air quality risk is severe (7/10) with an average of 12 bad air days per year. This is higher than many other San Francisco neighborhoods and could be a concern for residents with respiratory issues. Property taxes in San Francisco are based on the purchase price, so new owners should expect annual property taxes of approximately $17,976 (based on a 1.2% effective tax rate), which is higher than many other parts of the country. The estimated insurance cost of $5,392.80 per year is relatively high, likely due to the property's value and the general cost of insurance in San Francisco. This adds significantly to the overall cost of ownership.

The Ugly

The most significant concern for this property is its price history. The current listing price of $1,498,000 represents a 3.3% decrease from its last sale price of $1,549,000 in 2019. This suggests potential market softening or overvaluation in the previous sale. Moreover, while the property has appreciated 48.3% since 2006 (from $1,010,000 to $1,498,000), this represents an average annual appreciation of only about 2.6%, which is below the historical average for San Francisco real estate. The severe air quality risk (7/10) is a major concern. With 12 bad air days per year, this could significantly impact quality of life and potentially lead to health issues for residents. This factor could also negatively affect the property's long-term value if air quality concerns in the Bay Area persist or worsen. Given the home's age (96 years old), there's a high likelihood of needing major system replacements soon. A new roof could cost $15,000-$25,000, updated electrical systems might run $10,000-$15,000, and plumbing upgrades could be $5,000-$10,000. These potential costs, totaling up to $50,000 or more, are not reflected in the listing price. The total monthly ownership costs are substantial. Assuming a 20% down payment ($299,600) and a 30-year fixed mortgage at 6.5% interest, the monthly payments break down as follows: - Mortgage: $7,568 - Property Tax: $1,498 - Insurance: $449 - Estimated Maintenance (1% of home value annually): $1,248 Total: $10,763 per month This high monthly cost requires an annual income of at least $430,520 (assuming 30% of income goes to housing), which is significantly above the area's median income of $134,652.

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 best suited for: 1. High-income professionals or families earning $430,000+ annually, who can comfortably afford the $10,763 monthly ownership costs. 2. Multi-generational families who can utilize the flexible lower level with its separate living area and kitchenette. 3. Investors looking for properties with rental potential, given the separate lower level that could generate rental income. 4. Buyers who prioritize a family-friendly neighborhood with good schools nearby (Feinstein Elementary and Lincoln High School are both rated above average). 5. Environmentally conscious buyers who value the solar panels and the home's minimal climate risks (except for air quality). 6. Homebuyers who appreciate historic charm but also want modern amenities, as this 1927 home has been updated with features like a chef's kitchen with quartz countertops. 7. Commuters who need easy access to other parts of San Francisco, as the property is well-located for public transportation and has valuable 2-car parking. 8. Buyers who enjoy outdoor living, given the spacious backyard ideal for entertaining and the proximity to parks like Stern Grove.

Not For

This property is not suitable for: 1. First-time homebuyers or those with moderate incomes, given the high purchase price and monthly ownership costs. 2. Individuals sensitive to air quality issues, due to the severe (7/10) air quality risk in the area. 3. Buyers looking for a low-maintenance property, as the home's age (96 years) suggests potential for significant upkeep and repairs. 4. Investors seeking immediate high returns, as the recent price history suggests modest appreciation potential in the short term. 5. Those who prefer ultra-modern or new construction homes, as this is a historic property with potential hidden issues despite updates. 6. Buyers without substantial cash reserves, as the potential for major system replacements (roof, electrical, plumbing) could require significant additional investment soon after purchase. 7. People who prioritize living in the heart of San Francisco's urban core, as Parkside is a more residential, family-oriented neighborhood. 8. Those looking for a smaller, more manageable space, as this 2,250 sqft home is larger than average for the area and may be too much for some buyers to maintain.
Demographics
Area Median Income

$134,652

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Risk Assessment

Climate Risks

airSEVERE

12 bad air quality days per year

floodMINIMAL

FEMA Zone: X_UNSHADED

Insurance: Optional

fireMINIMAL

Insurance: Optional

heatMINIMAL

8 extreme heat days per year

98th percentile: 74°F

windMINIMAL

Insurance: Optional

Risk Analysis

1. Air Quality: The severe air quality risk (7/10) with 12 bad air days per year is a significant concern. This could lead to health issues and potentially impact the property's long-term value. 2. Price Stagnation: The property's price has decreased 3.3% since its last sale in 2019, indicating potential market softening. The average annual appreciation of 2.6% since 2006 is below historical averages for San Francisco, suggesting a risk of underperformance. 3. Age-Related Issues: Built in 1927, the home may have hidden structural issues or outdated systems. Potential major replacements include: - Roof: $15,000-$25,000 - Electrical: $10,000-$15,000 - Plumbing: $5,000-$10,000 Total potential near-term costs: Up to $50,000 or more 4. High Ownership Costs: Monthly costs of $10,763 require a high income, limiting the buyer pool and potentially affecting resale value. 5. Market Volatility: San Francisco's real estate market can be volatile. Current economic uncertainties and tech industry layoffs could impact future property values. 6. Earthquake Risk: While not explicitly mentioned in the provided data, San Francisco's seismic activity risk is high. Retrofitting costs could be substantial if not already done. 7. Regulatory Risks: San Francisco's strict housing regulations could impact future renovations or rental potential of the lower level. 8. Insurance Costs: At $5,392.80 annually, insurance costs are high and could increase due to factors like air quality or potential natural disasters. 9. Solar Panel Maintenance: While beneficial, the solar panels will require maintenance and eventual replacement, costs not factored into the current price. 10. Neighborhood Changes: Potential developments or changes in the Parkside area could affect property value, either positively or negatively. 11. School Rating Changes: Property value is partly tied to school quality. Any decrease in nearby school ratings (currently 6/10 and 7/10) could impact home value.
Insurance
Annual Cost

$5,393

$449 per month

Financials

Monthly Costs
Market Rent (4 bed)

$4,330

Get a detailed rental estimate on Zillow®

Price History

Property Taxes

$20,634
2024 Tax Assessment
1.5%from previous year
Assessed Value$1,694,054
Tax Rate1.22%

Location & Comparables

Subject Property
Comparable Sales
View on Zillow

Stats in the Area

Average Price

$2,125,000

41.9% above list price

Median Price

$2,215,000

Based on 6 recent sales

Price per Sq.Ft

$926

Comparable Properties

2446 27th Ave, San Francisco, CA 94116
Price: $2,215,000
Sq.Ft: 2,271
Beds/Baths: 3/4
$/Sq.Ft:
$97546.5%
Sale Date: 12/5/2024
2062 20th Avenue, San Francisco, CA 94116
Price: $2,030,000
Sq.Ft: 2,285
Beds/Baths: 4/4
$/Sq.Ft:
$88833.4%
Sale Date: 10/25/2024
2182 14th Avenue, San Francisco, CA 94116
Price: $2,350,000
Sq.Ft: 2,414
Beds/Baths: 4/4
$/Sq.Ft:
$97346.2%
Sale Date: 9/26/2024
1891 35th Avenue, San Francisco, CA 94122
Price: $1,880,000
Sq.Ft: 1,847
Beds/Baths: 4/4
$/Sq.Ft:
$1,01852.9%
Sale Date: 10/24/2024
2298 Cecilia Avenue, San Francisco, CA 94116
Price: $2,525,000
Sq.Ft: 2,678
Beds/Baths: 4/4
$/Sq.Ft:
$94341.6%
Sale Date: 9/5/2024
2325 32nd Avenue, San Francisco, CA 94116
Price: $1,750,000
Sq.Ft: 2,308
Beds/Baths: 5/3
$/Sq.Ft:
$75813.9%
Sale Date: 10/29/2024

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