Cottage / Storybook home in San Francisco, CA
This Cottage home in San Francisco, CA offers 2 bedrooms and 1.5 bathrooms across 803 square feet. The Cottage styling carries through the home's design.
| Price | $900,000 |
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| Beds | 2 |
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| Baths | 1.5 |
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| Sqft | 803 |
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| Architectural style | Cottage / Storybook (36% match) |
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| Address | 109 Banks St, San Francisco, CA 94110 |
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Why buy this home
- Confirmed Cottage / Storybook architecture, matched from the listing photos by Enzo's vision model.
- Links directly to the original source listing on Trulia.
Is this a good buy?
Priced below comparable homes.
- At $900K, this home is 31% below the $1.3M median for 239 similar Cottage / Storybook homes in San Francisco, CA.
- That works out to $1121 per square foot, 21% above the $925 comparable rate.
- New to market (6 days), so expect competition.
| This home | $900,000 |
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| Cottage / Storybook median in San Francisco, CA | $1,295,000 (239 homes) |
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| Price per sq ft | $1,121 vs. $925 comps median |
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Enzo's reads public listing data and links to the original source. Confirm condition, HOA, taxes and fees there. This is a signal, not advice.
What it costs to own
Estimated at $6,164/month with 20% down at a 7.28% 30-year fixed rate. You would need about $264,164 in gross annual income to keep housing within a 28% ratio.
| Mortgage (P&I) | $4,926/mo |
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| Property tax (new-buyer reassessed rate) | $900/mo |
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| Homeowners insurance | $337/mo |
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| Total monthly | $6,164/mo |
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| Down payment (20%) | $180,000 |
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| Income needed | $264,164/yr |
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A signal to compare homes, not financial advice or a loan offer.
Financial outlook (modeled)
Enzo's grades this home C (59 out of 100) over a 5-year hold, from a Monte-Carlo of local home-price dynamics and the interest-rate path versus renting.
| Grade | C (59/100) |
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| Beats renting in | 9% of modeled paths |
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| Modeled 5-yr equity (median) | $411,215 |
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| Range (10th to 90th pct) | $238,059 to $611,194 |
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A probabilistic model built on public data (Zillow ZHVI, FRED rates), not a guarantee or financial advice. Local price dynamics are pooled toward San Francisco, CA where local data is thin.
Local home values
Typical home values in San Francisco, CA have risen about 2% over the past 5 years (+2% in the last year), per the Zillow Home Value Index. This reflects the metro market, not this specific home.
View this home on Trulia