Score
0San Francisco, CA
421 Point Lobos Ave
2.5M
4 beds
5 baths
2,361 sqft
4 bd • 5 ba • 2,361 sf
This analysis was generated on 2/6/2025. It is for entertainment purposes only and should not be considered as real estate or investment advice.
AI Property Analysis
0:000:00 / 0:00
List Price
$2,495,000
Price/Sq.Ft
$1,057
Year Built
1941
AI Property Analysis
A comprehensive evaluation of this property's features, market position, and investment potential.
The Good
• Prime Location Near Ocean Beach: The property's location minutes from Ocean Beach offers easy access to outdoor recreation, coastal amenities, and scenic views. This is a highly desirable location for those who enjoy beach living.
• Modern, Updated Interiors: The property has been extensively renovated with modern finishes, high-end appliances, and updated systems. The updated electrical, plumbing, heating, radiant floors, surround sound, and security cameras offer modern convenience and peace of mind. The chef's kitchen with Thermador appliances and a wine refrigerator is a major selling point.
• Excellent School District: The property is located near highly-rated public schools, including Lafayette Elementary School (9/10), Presidio Middle School (7/10), and George Washington High School (9/10). This is a major draw for families with children.
• Ample Parking: The property offers 3-car parking (1 garage, 2 driveway), which is a significant advantage in a city where parking is often scarce and expensive. This is a major convenience for residents and visitors.
The Bad
• High Price per Square Foot: At $1,056.76 per square foot, the property is priced higher than the average for the Outer Richmond neighborhood. While the modern updates and desirable features may justify a premium, buyers should carefully compare the price per square foot to other comparable properties to ensure they are getting fair value.
• Air Quality Risk: The severe air quality risk (7/10) and 13 bad air days per year are significant concerns. This could impact the health and lifestyle of residents, especially those with respiratory sensitivities. The air quality risk is higher than the city average.
• High Estimated Insurance Costs: The estimated annual insurance of $8,982 is significantly higher than the national average. This is likely due to a combination of factors, including the property's location near the coast, its value, and the moderate fire risk (4/10). This high cost will impact the overall affordability of the property.
The Ugly
• Price Volatility and Recent Price Reductions: The property's listing history reveals a pattern of price increases and decreases, with a recent price reduction of -0.9% from its previous listing price. It sold for $2,518,000 in 2023 and is now listed for $2,495,000. This price volatility raises questions about the property's true market value and potential for future appreciation.
• High Total Cost of Ownership: Combining the list price of $2,495,000 with the high estimated insurance costs ($8,982/year) and property taxes will result in substantial monthly mortgage payments and overall ownership expenses. Buyers should carefully assess their financial capacity to afford this property. Assuming a 20% down payment ($499,000) and a 7% interest rate, the monthly mortgage payment would be approximately $13,300 (excluding property taxes and insurance).
• Moderate Fire Risk: The moderate fire risk (4/10) requires attention to fire safety and preparedness. While the risk is not as severe as in high-risk fire zones, buyers should still take precautions to protect the property from fire damage. The fire risk score is higher than the city average.
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
• High-End Buyers Seeking a Modern, Move-In Ready Home: The updated electrical, plumbing, heating, radiant floors, surround sound, and security cameras offer modern convenience. The recent renovations minimize the need for immediate upgrades or repairs.
• Buyers Prioritizing Indoor/Outdoor Living and Entertaining: The seamless flow between indoor and outdoor spaces, multiple decks, and a low-maintenance backyard with a fire pit cater to those who enjoy entertaining and coastal living. The chef's kitchen with Thermador appliances and a wine refrigerator is ideal for hosting.
• Families Valuing Proximity to Highly-Rated Schools: Located near Lafayette Elementary School (9/10), Presidio Middle School (7/10), and George Washington High School (9/10), this property is attractive to families prioritizing access to quality public education.
• Buyers Seeking Multi-Car Parking in a Dense Urban Environment: With 3-car parking (1 garage, 2 driveway), this property offers a significant advantage in a city where parking is often scarce and expensive.
Not For
• Buyers Seeking a Large Backyard or Extensive Outdoor Space: The property description mentions a low-maintenance backyard, suggesting it may be smaller than what some buyers desire. Those prioritizing a large yard for gardening, recreation, or pets may find this property unsuitable.
• Buyers on a Tight Budget or Seeking Lower Monthly Expenses: With a list price of $2,495,000 and high estimated insurance costs ($8,982/year), this property will likely result in substantial monthly mortgage payments and overall ownership expenses. Buyers with budget constraints may need to consider more affordable options.
• Buyers Averse to Coastal Weather Conditions or Air Quality Concerns: The property's proximity to Ocean Beach means it may experience frequent fog, wind, and cooler temperatures. The severe air quality risk (7/10) and 13 bad air days per year may deter buyers with respiratory sensitivities or those seeking consistently clean air.
Demographics
Area Median Income
$116,970
Property History
Price History
Ownership Timeline
$2,518,000Financed
Mar 16, 2023635 42nd Ave LlcBrooke Allyson Carter
Grant Deed
Non-Residential Arm's Length Transactions
$0Cash Purchase
Sep 19, 2022Zhenghe Hu, Dehuan Yu635 42nd Ave Llc
Grant Deed
Non-Arm's Length Transactions
$0Cash Purchase
Jul 13, 2020Zhi Jian LuZhenghe Hu
Quit Claim Deed
Non-Arm's Length Transactions
$1,440,000Cash Purchase
Jul 10, 2020Alan G Gin, Lily Mae YeeZhenghe Hu, Dehuan Yu
Grant Deed
Standard Sale (Purchase/Resales)
$0Cash Purchase
Jul 9, 2020Berne YeeLily Yee
Intrafamily Transfer
Non-Arm's Length Transactions
$0Cash Purchase
Mar 13, 2017Mary Guey Wah Yee GinLily Mae Yee
Quit Claim Deed
Non-Arm's Length Transactions
$0Cash Purchase
Mar 11, 2017Berne YeeLily Mae Yee
Intrafamily Transfer
Non-Arm's Length Transactions
$0Cash Purchase
Oct 8, 2009Alan G Gin, Mary Guey Wah Yee GinAlan G Gin, Janis Alison Yuen
Intrafamily Transfer
Non-Arm's Length Transactions
$33,500Cash Purchase
Oct 8, 2009Mary Guey Wah Yee GinMary Guey Wah Yee Gin, Lily Mae Yee
Grant Deed
Non-Arm's Length Transactions
$0Cash Purchase
Mar 6, 2003Janis A YuenAlan G Gin
Intrafamily Transfer
Non-Arm's Length Transactions
Property Taxes
$30,876
2024 Tax Assessment
52.8%from previous year
Assessed Value$2,568,360
Tax Rate1.20%
Sunlight Analysis
Visualize how sunlight affects this property throughout the day and year.
Sunlight Analysis
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Schools
Nearby school quality by education level
Elementary
6.1/10
GoodMiddle
6.2/10
GoodHigh
4.7/10
AverageFinancials
Monthly Costs
Market Rent (4 bed)
Get a detailed estimate on Zillow$2,156
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Location & Comparables
Subject Property
Comparable Sales
Subject Property
Price
$2,495,000
Price/sqft
$1,057
Layout
4 bd•5 ba
Days on market
6 daysat time of analysis
Stats in the Area
Based on 3 comparable properties nearby
Average Price
$1,916,667
30.2%
Your price is 30.2% above average
Median Price
$1,900,000
31.3%
Based on 3 recent sales
Price per Sq.Ft
$783
35.0%
Your price is 35.0% above average $/sqft
Comparable Properties
| Address | Price | Sq.Ft | Beds | Baths | $/Sq.Ft | Sale Date |
|---|---|---|---|---|---|---|
| 722 37th Avenue, San Francisco, CA 94121 | $1,950,000 | 2,321 | 4 | 4 | $84020.5% | 9/6/2024 |
| 3331 Cabrillo Street, San Francisco, CA 94121 | $1,900,000 | 2,519 | 4 | 4 | $75428.6% | 9/13/2024 |
| 3333 Cabrillo Street, San Francisco, CA 94121 | $1,900,000 | 2,519 | 5 | 4 | $75428.6% | 9/13/2024 |
722 37th Avenue, San Francisco, CA 94121
Price: $1,950,000
Sq.Ft: 2,321
Beds/Baths: 4/4
$/Sq.Ft:
$84020.5%
Sale Date: 9/6/2024
3331 Cabrillo Street, San Francisco, CA 94121
Price: $1,900,000
Sq.Ft: 2,519
Beds/Baths: 4/4
$/Sq.Ft:
$75428.6%
Sale Date: 9/13/2024
3333 Cabrillo Street, San Francisco, CA 94121
Price: $1,900,000
Sq.Ft: 2,519
Beds/Baths: 5/4
$/Sq.Ft:
$75428.6%
Sale Date: 9/13/2024
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