Score
0San Francisco, CA
7 Wright St
1.2M
3 beds
2 baths
1,600 sqft
3 bd • 2 ba • 1,600 sf
This analysis was generated on 1/23/2025. 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
$1,195,000
Price/Sq.Ft
$747
Year Built
1900
AI Property Analysis
A comprehensive evaluation of this property's features, market position, and investment potential.
The Good
The property at 7 Wright St, San Francisco, CA 94110 offers several compelling advantages:
1. Location: Situated in the desirable Bernal Heights neighborhood, known for its village-like atmosphere and proximity to amenities.
2. Historic Charm: Built in 1900, this Victorian home features period details like beamed ceilings, adding character and value.
3. Views: Exceptional views over the San Bruno Mountains and the Bay, a significant selling point in San Francisco.
4. Flexible Space: Multi-level layout with a separate unit (1 bed, 1 bath, kitchen) with private entrance, offering rental income potential or multi-generational living options.
5. Price Appreciation: Substantial long-term appreciation, with the price increasing from $225,000 in 2000 to the current $1,195,000 listing price, representing a 431% increase over 25 years.
6. Low Climate Risks: Minimal flood risk (1/10), fire risk (1/10), and wind risk (1/10), reducing potential insurance costs and environmental concerns.
7. Size: At 1,600 sq ft, it's larger than many San Francisco homes, offering more space for the price.
8. Outdoor Space: Includes a sunny garden, a rarity in dense urban areas.
9. Garage: Large garage provides valuable off-street parking, a premium feature in San Francisco.
10. Additional Spaces: Art studio/workshop and ample storage add versatility and value.
11. Updated Systems: Central gas heating system, which is more efficient than older heating methods common in historic homes.
The Bad
1. Price: At $1,195,000, it's significantly above the median home price in San Francisco ($1,075,000 as of 2024), potentially limiting the buyer pool.
2. Price per Square Foot: At $746.88/sq ft, it's higher than the San Francisco average of around $700/sq ft, indicating a premium price.
3. Age: Built in 1900, it may require more maintenance and updates than newer properties.
4. School Ratings: Nearby public schools have low ratings (2/10 and 4/10), which may deter families with school-age children.
5. Air Quality Risk: Severe air quality risk (7/10) with 13 bad air days per year, which could impact health and quality of life.
6. Market Volatility: The property was previously listed and removed from the market in 2024, suggesting potential challenges in selling.
7. Property Taxes: Given the high sale price, annual property taxes could be substantial, around $23,900 (based on a 2% rate).
8. Insurance Costs: Estimated annual insurance of $4,302 is relatively high, likely due to the property's age and value.
9. Potential for Hidden Issues: Given its age, there may be hidden structural or system issues not immediately apparent.
10. Limited Bathroom Count: Only 2 bathrooms for a 3-bedroom home may be insufficient for some buyers, especially given the separate unit.
The Ugly
1. Potential Seismic Vulnerability: As a 125-year-old structure, it may not meet modern seismic standards, potentially requiring costly retrofitting (estimated $10,000 to $50,000+).
2. Possible Lead and Asbestos: Given its age, the home likely contains lead-based paint and possibly asbestos, which could require expensive remediation (lead abatement can cost $8,000 to $15,000; asbestos removal can range from $20,000 to $30,000).
3. Outdated Electrical and Plumbing: Homes of this age often have knob-and-tube wiring and galvanized steel pipes, which may need complete replacement (rewiring can cost $8,000 to $15,000; replumbing can range from $15,000 to $25,000).
4. Foundation Issues: Victorian-era homes in San Francisco often have foundation problems due to age and seismic activity. Repairs can be extremely costly, potentially exceeding $100,000.
5. Energy Inefficiency: Despite the central gas heating, the home's age suggests poor insulation and inefficient windows, leading to high energy costs. Upgrading insulation and windows could cost $20,000 to $30,000.
6. Roof Concerns: If original or aging, the roof may need replacement soon, costing $15,000 to $25,000 for a home of this size.
7. Pest Issues: Old wood structures in San Francisco are prone to termite and dry rot issues. Treatment and repairs can easily exceed $10,000.
8. Zoning and Permit Challenges: The separate unit and art studio may not be properly permitted, potentially leading to legal issues or costly retroactive permitting processes.
9. High Ownership Costs: Total monthly costs could exceed $8,000 (assuming a 20% down payment), including mortgage ($5,700), property tax ($1,990), insurance ($360), and estimated maintenance ($500).
10. Market Uncertainty: The property's listing history suggests potential overpricing, and the San Francisco market has shown signs of cooling, which could impact future appreciation.
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Original
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: With a price of $1,195,000, buyers should have a household income of at least $250,000 to comfortably afford the mortgage and associated costs.
2. Tech Industry Workers: Given its location and price point, it's ideal for well-compensated tech employees working in San Francisco or Silicon Valley.
3. Multi-Generational Families: The separate unit with its own entrance makes it perfect for families looking to house elderly parents or adult children.
4. Investors: The potential for rental income from the separate unit could appeal to real estate investors looking for properties with income potential in a prime location.
5. Historic Home Enthusiasts: Those who appreciate Victorian architecture and are willing to invest in maintaining and restoring a piece of San Francisco history.
6. View Seekers: Buyers who prioritize scenic views and are willing to pay a premium for panoramic vistas of the San Bruno Mountains and the Bay.
7. Entrepreneurs or Artists: The additional art studio/workshop space makes it ideal for those who work from home or need a dedicated creative space.
8. Car Owners: The large garage is a significant asset for those who own vehicles in a city where parking is often challenging.
9. Long-term Investors: Given the property's appreciation history (431% over 25 years), it could be suitable for those looking for long-term value growth.
10. Renovation Enthusiasts: Buyers who have the resources and desire to update and potentially expand the property to maximize its potential.
Not For
This property is not suitable for:
1. First-time Homebuyers: The high price point and potential for costly repairs make it risky for those new to homeownership.
2. Budget-Conscious Buyers: With a price tag of $1,195,000 and high ongoing costs, it's not for those with limited financial resources.
3. Families with School-Age Children: The low ratings of nearby public schools (2/10 and 4/10) make it less ideal for families prioritizing education.
4. Those with Respiratory Issues: The severe air quality risk (7/10) could be problematic for individuals with asthma or other respiratory conditions.
5. Buyers Seeking Move-in Ready Homes: The age and potential need for updates and repairs make it unsuitable for those wanting a turnkey property.
6. Risk-Averse Investors: The high price point and potential market volatility in San Francisco make it a risky investment for conservative buyers.
7. Large Families: With only 3 bedrooms and 2 bathrooms, it may not provide enough space for larger families.
8. Those with Limited DIY Skills: The potential for ongoing maintenance and repairs requires either handyman skills or the budget to hire professionals regularly.
9. Short-term Residents: Given the high transaction costs in San Francisco, it's not ideal for those planning to move within a few years.
10. Buyers Sensitive to Noise: The urban location and potential for rental unit occupants may not suit those seeking a quiet, private environment.
Demographics
Area Median Income
$143,938
Property History
Price History
Ownership Timeline
$0Cash Purchase
Oct 2, 2024Maria Isabel Orozco BarreraMaria Isabel Orozco Barrera, Karen Amlacher
Intrafamily Transfer
Non-Arm's Length Transactions
$0Financed
Jul 27, 2020Maria Isabel Orozco Barrera, Maria I Orozco BarreraMaria Isabel Orozco Barrera
Intrafamily Transfer
Non-Arm's Length Transactions
$0Financed
Apr 12, 2011Maria I Orozco Barrerea, Maria Isabel OrozcoMaria I Orozco Barrera
Intrafamily Transfer
Non-Arm's Length Transactions
$0Cash Purchase
Jul 7, 2005Ernest E FrostMaria Isabel Orozco
Intrafamily Transfer
Non-Arm's Length Transactions
$782,500Financed
Jul 6, 2005David L ButterfieldMaria Isabel Orozco
Grant Deed
Standard Sale (Purchase/Resales)
$225,000Financed
Dec 20, 2000Kennett Teresa MDavid L Butterfield
Grant Deed
Standard Sale (Purchase/Resales)
$0Cash Purchase
Sep 20, 1994Robert Laurance Kafka DeceasedWanda L Kafka
Affidavit Of Death
Non-Arm's Length Transactions
$180,000Financed
Sep 20, 1994Wanda I KafkaTeresa M Kennett
Grant Deed
Standard Sale (Purchase/Resales)
$0Cash Purchase
Sep 19, 1994David L ButterfieldTeresa M Kennett
Intrafamily Transfer
Non-Arm's Length Transactions
Property Taxes
$13,193
2024 Tax Assessment
1.6%from previous year
Assessed Value$1,065,847
Tax Rate1.24%
Sunlight Analysis
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Sunlight Analysis
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Risk Assessment
Climate Risks
airMAJOR
13 bad air quality days per year
heatMINIMAL
7 extreme heat days per year
98th percentile: 78°F
floodMINIMAL
FEMA Zone: Minimal Risk Area
Insurance: Optional
fireMINIMAL
Insurance: Optional
windMINIMAL
Insurance: Optional
Risk Analysis
1. Seismic Risk: Despite low wind and flood risks, San Francisco's seismic activity poses a significant threat. The property's age (built in 1900) suggests it may not meet modern earthquake safety standards, potentially requiring costly retrofitting ($10,000 to $50,000+).
2. Air Quality Concerns: The severe air quality risk (7/10) with 13 bad air days per year could lead to health issues and reduced quality of life. This may also impact future property value if air quality worsens.
3. Market Volatility: San Francisco's real estate market can be highly volatile. The property's listing history (listed and removed in 2024) suggests potential market challenges. Future appreciation is not guaranteed, especially given the high purchase price.
4. Maintenance Costs: Given the property's age, significant systems (plumbing, electrical, roof) may need replacement soon. Annual maintenance costs could easily exceed $10,000-$15,000.
5. Regulatory Risks: The separate unit and art studio may not be properly permitted. Retroactive permitting or potential fines could be costly and time-consuming.
6. Insurance Challenges: The high estimated insurance cost ($4,302/year) suggests potential risks. This could increase further if additional issues are discovered.
7. Financing Risks: The property's unique features and potential unpermitted areas might complicate mortgage approval or lead to less favorable terms.
8. Environmental Hazards: Given its age, the home likely contains lead-based paint and possibly asbestos, which could require expensive remediation ($30,000 to $50,000+).
9. Foundation Issues: Victorian-era homes in San Francisco often suffer from foundation problems. Repairs can be extremely costly, potentially exceeding $100,000.
10. Energy Efficiency Challenges: Poor insulation and outdated systems could lead to high energy costs and potential mandatory upgrades under evolving San Francisco energy regulations.
11. Rental Income Uncertainty: If relying on income from the separate unit, changes in San Francisco's rental laws or market conditions could impact profitability.
12. School District Challenges: The low ratings of nearby schools could impact future resale value, especially if school quality continues to decline.
13. Gentrification Pressures: Bernal Heights has been gentrifying, which could lead to community tensions and potential changes in neighborhood character.
14. Climate Change Impacts: While current climate risks are low, long-term climate change could exacerbate air quality issues and introduce new environmental risks.
Insurance
Annual Cost
$4,302
$359 per month
Cost & Affordability
Monthly Costs
Breakdown of estimated monthly expenses for this property
Monthly Payment
$0
* Estimated at 1% of home value annually. Actual costs may vary.
Not Included in Estimate
• Utilities (electricity, gas, water, internet)
• Home improvements and upgrades
• Landscaping and yard maintenance
• Pest control and home services
• Emergency repairs and replacements
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20.0% of purchase price
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$1,195 monthly
$359 monthly
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Schools
Showing top 5 of 46 schools
Lowell High School
Public•Grades 9-12
10/10
High
2,774 students
Lilienthal (claire) Elementary School
Public•Grades K-8
9/10
ElementaryMiddle
697 students
Lawton Alternative Elementary School
Public•Grades K-8
9/10
ElementaryMiddle
593 students
Chinese Immersion School At Deavila
Public•Grades K-5
9/10
Elementary
387 students
Asawa (ruth) San Francisco School Of The Arts, A Public School.
Public•Grades 9-12
9/10
High
795 students
Financials
Monthly Costs
Market Rent (3 bed)
Get a detailed estimate on Zillow®$3,912
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