Advisory real estate for San Francisco's condo, TIC, and single-family market, read disclosure by disclosure. The Bay Area's urban specialist market: walkability, transit, neighbourhood culture, and a real downtown over a yard. 4 documented San Francisco closings on $5.0M of local volume across 1 city.
San Francisco began as a Spanish presidio and Mission Dolores in 1776, became part of Mexico after 1821, and grew fast after the 1848 gold discovery at Sutter's Mill: the population went from roughly 1,000 in 1848 to 25,000 by late 1849. The 1906 earthquake and fire destroyed roughly 80% of the city and triggered the modern grid of post-quake Victorian and Edwardian residential neighbourhoods. Successive immigration waves (Chinese in the 1850s, Italians in North Beach, Russians in the Richmond, Central Americans in the Mission) shaped neighbourhood character. The post-war era brought BART (1972), the dot-com booms of the late 1990s and 2010s, and the AI surge that began reshaping South of Market and Mission Bay starting in 2023.
Geography and economy
San Francisco is both a city and a county, packed into 47 square miles at the tip of the Peninsula, bounded by the Pacific to the west and the Bay to the east and north. Known for hills, fog, and a microclimate that varies block by block. The economy mixes tourism (the largest single sector by spending), finance (the city is a major US banking centre), technology (Salesforce, Airbnb, OpenAI, Anthropic, and most large AI labs are here), and biotech and life sciences concentrated in Mission Bay. Roughly 800,000 jobs anchor downtown and SOMA office space. Population is 808,000 (2020), with the highest density in California.
What buying in San Francisco means
San Francisco is the Bay Area's urban specialist market: the choice for buyers who want walkability, transit, neighbourhood culture, and a real downtown over a yard. Typical buyers include tech professionals, buyers who want walkability and transit over a yard, and investors looking at small multi-unit Victorians. Price bands run widely by neighbourhood: 800K condos in the Outer Sunset, 1.5M to 3M for a Noe Valley or Bernal Heights single-family, 3M to 8M for Pacific Heights or Cow Hollow. Structural pros are walkability, transit, and the AI-driven downtown rebound of 2025. Structural cons are the parking, the property condition of older Victorians, and the property-tax-versus-income-tax pressure on long-term holds.
Most prominent neighbourhoods
Noe Valley: Victorian and Edwardian single-family, walkable 24th Street retail, 1.8M to 3.5M.
Pacific Heights: large mansions and luxury condos, sweeping Bay and Golden Gate views, 3M to 12M-plus.
Sunset: foggy Pacific-facing flatland, more affordable single-family, 1.4M to 2.2M.
Richmond: between the Presidio and Golden Gate Park, mix of single-family and small condos, 1.3M to 2.5M.
Mission Bay: newest neighbourhood, glass condo towers, biotech and AI office adjacency, 900K to 1.8M for condos.
1 city with dedicated guides
Every city in San Francisco has its own advisory page with schools, hospitals, pricing math, and per-city FAQ:
4 documented San Francisco closings, $5.0M of local volume. Career-wide: 104 documented closings, $115M+ in total volume, with 91 of 104 on the buyer side, 14 closings in the last 12 months, career range $323K to $3.3M, 5.0-star Zillow average across 37 reviews. Every transaction below links to the address on Zillow.
The environmental and infrastructure factors buyers ask about most, summarized at the regional level. Each factor names the cities in this region that carry the notable exposure; see the individual city guides for parcel-level detail.
Factor
Detail
Gas transmission pipelines
San Francisco is served by PG&E gas, with high-pressure transmission lines (including Lines 109 and 132) feeding the city and dense distribution mains throughout; a segment of Line 132 ruptured in the 2010 San Bruno explosion just south of the city, killing 8 and destroying 38 homes. Transmission-line proximity to a parcel should be verified on the PHMSA National Pipeline Mapping System. See the city guide for parcel-level detail.
Noise (freeway, rail, flight paths)
Traffic noise comes from US-101 and I-280 (elevated and at-grade freeway segments) plus Muni, BART, and the Caltrain terminus at 4th and King; aircraft noise from SFO and Oakland flight paths affects parts of the city, with SFO-area complaints rising sharply in 2023.
Refineries and heavy industry
San Francisco has no oil refineries; the legacy industrial footprint is the former Hunters Point Naval Shipyard and the Bayview-Hunters Point and Potrero industrial areas, where former power-plant and shipyard uses left an environmental footprint now in cleanup.
Soil and groundwater contamination
The dominant site is the former Hunters Point Naval Shipyard, an EPA Superfund site (listed 1989) with radiological contamination tracing to the postwar Naval Radiological Defense Laboratory; its cleanup was compromised by contractor Tetra Tech's documented falsification of radiological data (two supervisors pleaded guilty to federal fraud in 2018), forcing extensive retesting. Treasure Island is a separate former-Navy radiological cleanup, and Bayview-Hunters Point carries a recognized environmental-justice pollution burden. See the city guide for parcel-level detail.
Air quality and wildfire smoke
Air quality is generally good, helped by persistent ocean breezes and the marine layer; the main exposure is episodic regional wildfire smoke (including the hazardous PM2.5 and orange-sky event of September 9, 2020), and Bayview-Hunters Point carries a documented environmental-justice pollution burden.
Wildfire zone and power shutoffs (PSPS)
As a dense, fully built-out urban environment, San Francisco has essentially no wildland fire-hazard severity zones or High Fire-Threat District designation and effectively no PG&E Public Safety Power Shutoff exposure; fire risk is structural and urban rather than wildland, though regional wildfire smoke affects air quality in fire season.
High-voltage power lines
San Francisco is served by underground and surface electric distribution with substations across the city and is not on the major long-distance high-voltage transmission corridors that cross the inland North Bay; proximity to substation infrastructure should be confirmed per address. See the city guide for parcel-level detail.
Sea level and shoreline flooding
San Francisco faces major documented sea-level-rise exposure along the Embarcadero, Mission Bay, Mission Creek, Islais Creek, and Treasure Island, plus bluff erosion at Ocean Beach on the west side; the city's Sea Level Rise Action Plan and BCDC mapping identify these as priority vulnerable areas. See the city guide for parcel-level detail.
These are regional summaries from public agencies and are approximate. Pipeline and power-line alignments, contamination parcels, and wildfire zones differ block by block; verify the exact address with the agency tools linked above and your inspections before you write an offer.
The Meticulous Protector, applied to San Francisco
The methodology behind Lily's 37+ five-star Zillow reviews and the highest repeat-and-referral rate of her career: read every disclosure line, verify every claim, model every carrying cost, walk every property in person before recommending an offer, document the ethical "no" when the math says no. The San Francisco version of that methodology is the same one Lily applies in every city she represents, discipline does not change by region.
San Francisco FAQ
Why are SF condos cheaper than Bay Area townhomes and what's the catch?
Two reasons. First, SF condo prices have not recovered post-2022: many neighborhoods are down 15-25% from peak while suburban townhomes have moved sideways or up. Second, SF HOA monthly costs are typically $700-$1,500+ vs $300-$600 in suburban townhomes, and many SF buildings carry SB326 balcony-inspection special assessments coming through 2027-2029. The condo discount IS real, but the carrying-cost gap eats some of the price advantage; run the full PITI + HOA comparison, not just the headline price.
How much have SF condos actually dropped since 2022, by neighborhood?
South Beach, Mission Bay, and Rincon Hill (the 2010s-built high-rise corridor) have dropped 18-28% from 2022 peaks at the 1-bedroom and small-2-bedroom level. SoMa lofts and the Yerba Buena corridor have dropped 12-22%. Pacific Heights, Russian Hill, and Cow Hollow vintage Edwardian conversions have dropped less (5-12%) because supply is structurally limited. Sunset and Richmond District flats have held value better than central neighborhoods. The 23% drop figure circulating reflects high-rise downtown specifically, not the whole city.
Is buying an SF condo in 2026 a value play or a value trap?
It depends on the building, the assessment exposure, and the buyer's horizon. Buildings with healthy reserves, no pending SB326 assessments, and stabilized HOA dues are arguably the best per-sqft value the city has shown in 10+ years. Buildings with thin reserves, pending litigation, deferred maintenance, or balcony-inspection assessments due 2026-2028 can shift from value play to value trap fast. The diagnostic is the HOA financial packet, not the price-per-sqft.
Why are listing agents calling SF condos single-family and how do I tell the difference?
Some SF properties are condo-mapped tenancy-in-common (TIC) units or condos on a 2-4 unit lot that listing agents describe as 'single-family' in narrative copy. The legal structure (true SFR vs. condo vs. TIC vs. condo-converted) determines what financing is available, what the carrying cost actually is, and what owner-occupancy obligations apply. Verify by ordering the preliminary title report and reading the HOA CC&Rs; the MLS description is not reliable here.
SF HOA monthly fees: what's reasonable, what's a red flag in 2026?
Sub-$500/month HOAs on a building over 20 units are a red flag for underfunded reserves. $700-$1,200/month is normal for mid-size SF buildings without elevators or amenities. $1,200-$2,500+/month for full-service buildings (doorman, gym, pool) is structural and stable. The diagnostic is the reserve study and 12 months of meeting minutes, not the headline HOA dollar figure; some $400/month HOAs are about to special-assess $30K and some $1,500/month HOAs are fully funded.
SF rent-controlled tenant in unit: should a buyer ever take that risk?
Buying a property with a sitting rent-controlled tenant is buying the property minus the value of vacant possession, which can be $200K-$500K+ depending on unit size and current contract rent. Owner-move-in (Ellis Act-adjacent) is heavily restricted and personally complex; some buyers take the risk for the tenant-occupied discount but most should not. The math only works for buyers with a multi-year horizon, alternative housing available, and tolerance for SF Rent Board procedure.
How does SF's transfer tax affect closing costs vs. Peninsula or East Bay?
SF's transfer tax is the highest in the Bay Area: roughly 0.75% to 6.0% depending on price band (the $25M+ tier carries the steepest rate). Peninsula and East Bay counties charge the standard $1.10 per $1,000 with city add-ons of $1-$3 per $1,000. On a $1.5M condo, SF transfer tax is roughly $11,250; the same purchase in Oakland is roughly $1,650 plus the $7,500 city tax. Sellers usually pay it but it's negotiable; budget for it in the offer math.
What are 2026 SF neighbourhood price bands across the 11x11 grid?
San Francisco's 47 square miles split into distinct submarkets in 2026. Pacific Heights and Cow Hollow $3M-$12M+ single-family. Noe Valley and Bernal Heights $1.8M-$3.5M single-family. Mission and Castro $1.5M-$2.8M single-family / TIC. Outer Richmond and Outer Sunset $1.3M-$2.2M single-family. Excelsior and Visitacion Valley $900K-$1.5M single-family. Mission Bay, South Beach, Rincon Hill $900K-$1.8M condos. SoMa lofts $750K-$1.3M. Downtown high-rise $700K-$2.5M depending on tower. Pacific Heights vintage condos $1.5M-$8M+. The 11x11 grid varies dramatically; ask the address, not the city.
What is SB326 in California and how does it affect SF condo buyers?
California Senate Bill 326 (Berkeley Balcony Law) requires HOA boards to inspect exterior elevated elements (balconies, decks, walkways, stair systems supported substantially by wood) every nine years. The first round of inspections was due January 1, 2025. SF condo buildings with balconies (a meaningful share of the 1960s-2010s high-rise stock) carry SB326 inspection cost ($200-$800 per balcony) plus repair budgets running $5K-$80K per unit depending on findings. Many buildings issue special assessments through 2027-2029. Pull the SB326 inspection report, reserve study, and 12 months of HOA meeting minutes before every condo offer.
What is the difference between SF condos, TICs, condo-mapped TICs, and true single-family?
True SFR is one-parcel single-family ownership with no shared title. Condo is a separately-titled unit in a common-interest development with an HOA, CC&Rs, and reserve study; financing is conforming-friendly. TIC (Tenancy-In-Common) is undivided fractional ownership of a multi-unit parcel with no separate title per unit; financing is portfolio-only with rates 50-150 bps above conforming and TIC-specific lenders (Sterling Bank, Bank of Marin's legacy desk). Condo-mapped TIC is a multi-unit parcel that has been mapped for conversion to condo but not yet completed; financing varies. The MLS description is not reliable; verify by ordering preliminary title and reading CC&Rs.
How does SF rent control affect a buyer with a sitting tenant?
SF rent control covers most multi-unit buildings constructed before June 13, 1979 (the Costa-Hawkins Rental Housing Act provides an exemption for post-1979 construction and single-family homes). A sitting rent-controlled tenant typically pays well below market; the value of vacant possession can be $200K-$500K+ depending on contract rent vs market. Owner-move-in eviction is regulated by the SF Rent Board with strict notice, relocation-payment, and residency requirements; Ellis Act withdrawal carries its own constraints. Buyers should model the tenant-occupied discount carefully and consult an attorney on Owner-Move-In feasibility before offer.
How does the SF transfer tax tier structure actually work in 2026?
San Francisco's Real Property Transfer Tax (RPTT) is structured in tiers: $100-$249,999 at 0.5% ($5/$1K), $250K-$999,999 at 0.68% ($6.80/$1K), $1M-$4,999,999 at 0.75% ($7.50/$1K), $5M-$9,999,999 at 2.25%, $10M-$24,999,999 at 5.5%, $25M+ at 6.0%. The seller typically pays but it is negotiable. On a $1.5M condo, RPTT is roughly $11,250. On a $10M Pacific Heights mansion, RPTT is $550,000. SF's structure is among the steepest in the Bay Area at the luxury tier; factor it into offer math.
What is the SF condo market doing by neighbourhood since 2022?
Recovery is uneven by sub-market. South Beach, Mission Bay, and Rincon Hill 2010s-built high-rise condos remain 18-28% below 2022 peaks at the 1-bed and small 2-bed levels, with downtown office-vacancy and SB326 assessment risk as drags. SoMa lofts and Yerba Buena -12 to -22%. Pacific Heights, Russian Hill, Cow Hollow vintage Edwardian conversions are down only 5-12% because supply is structurally limited. Sunset and Richmond flats have held value better. The 2025-2026 AI-driven downtown office recovery is starting to support South Beach and Rincon Hill at the margins but not yet at scale.
What is SF's downtown high-rise market doing in 2026 with the AI rebound?
Downtown SF office vacancy peaked around 35% in 2024 and has compressed to roughly 26-28% by mid-2026 as OpenAI, Anthropic, xAI, and several AI labs expanded SoMa and FiDi footprints. The downtown high-rise condo market is responding: 1-bed and small 2-bed inventory in The Infinity, ORO, 199 Fremont, 181 Fremont, and similar towers has tightened modestly. Pricing remains 15-25% below 2022 peaks but with reduced days-on-market. SB326 balcony assessment status and HOA reserve health remain the dominant individual-unit price variable, regardless of tower.
What is SFUSD's school assignment algorithm and how does it affect SF buyers?
San Francisco Unified School District uses a choice-based assignment system rather than strict neighbourhood-based attendance. Applicants rank elementary preferences across the city; assignments are made via a lottery with tie-breakers (sibling, citywide diversity, test-school priority). The system means that buying in a high-end neighbourhood does NOT guarantee attendance at the geographically-closest school. Lowell High and SOTA require separate citywide admission. Verify the assignment process with SFUSD enrollment before any school-driven offer. Private and parochial alternatives (San Francisco Day, Hamlin, Cathedral, Stuart Hall, Marin Country Day adjacency) shape upper-end neighbourhood premiums.
What is the SF hospital and emergency landscape for buyers?
San Francisco's hospital anchors are UCSF Medical Center at Parnassus and Mission Bay (regional Level I trauma, Level IV NICU, AI-era biotech adjacency), California Pacific Medical Center (Sutter, Van Ness flagship campus 2019), Kaiser Permanente San Francisco (Kaiser members), Saint Francis Memorial (Dignity Health), Zuckerberg San Francisco General (Level I trauma, city safety-net). Pacific Heights and Cow Hollow are closest to CPMC Van Ness. Mission Bay is adjacent to UCSF. The Avenues (Richmond and Sunset) sit closest to UCSF Parnassus and Kaiser SF. Network choice flows from the employer's health plan, not the address.
How does SF's seismic risk profile affect older Victorian and Edwardian stock?
The San Andreas Fault runs roughly 7 miles offshore of SF; the Hayward Fault sits 11 miles east in the East Bay. The 1906 earthquake destroyed roughly 80% of the city and the modern grid of post-quake Victorian and Edwardian homes dates from the 1907-1920 rebuild. Soft-story buildings (typically wood-frame multi-unit with parking or commercial on the ground floor) were required by SF Ordinance to retrofit by 2017-2020 phases; verify Soft Story Retrofit completion certificate by parcel. Liquefaction is High in SoMa, Mission Bay, Marina, Embarcadero, and Treasure Island; Moderate elsewhere. Pull the parcel-specific USGS overlay before offer.
What are SF Soft Story Retrofit requirements and what should buyers verify?
San Francisco's Mandatory Soft Story Program (Ordinance 66-13) required retrofit of wood-frame buildings with 5+ residential units and a soft, weak, or open-front story constructed before 1978. Compliance deadlines ran 2015-2020 in phases. Buyers of any qualifying building must verify completion certificate, Engineer of Record letter, and final Department of Building Inspection (DBI) sign-off; non-compliance affects insurance, lender requirements, and city violations. The retrofit typically cost $50K-$300K per building depending on size, and a completed retrofit improves both insurability and resale narrative.
How does SF's HOA reserve study practice differ from suburban buildings?
California Civil Code requires every HOA to maintain a reserve study updated at least every three years and to disclose it to prospective buyers in the HOA package. SF buildings often face thinner reserve cushions than suburban condos because of older building age, deferred-maintenance accumulation, and recent SB326 inspection findings. A healthy SF HOA reserve sits at 50-100% of fully-funded calculation; below 30% signals likely special-assessment exposure. Pull the reserve study, 12 months of meeting minutes, current budget, and pending-litigation disclosure before every condo or TIC offer.
What is the Outer Sunset and Outer Richmond market doing in 2026?
The Outer Sunset (west of 19th Avenue to the Great Highway) and Outer Richmond (Anza to the ocean) have outperformed central SF since 2022. Single-family in both neighbourhoods runs $1.3M-$2.2M in 2026 with relatively stable days-on-market and consistent multi-offer activity on prepared listings. The Avenues attract buyers priced out of Noe Valley and Bernal Heights and surf-culture buyers. Marine-layer fog conditions outdoor use 200+ days/year; insulate and weatherize before close. SFUSD assignment is via lottery citywide regardless of Avenues address.
What is the Noe Valley and Bernal Heights single-family market profile in 2026?
Noe Valley (24th Street corridor, walkable retail, restored Victorians) is the SF single-family market anchor with 2026 pricing $1.8M-$3.5M for renovated 2-3 bedroom Victorians and Edwardians. Bernal Heights (Cortland Avenue corridor, hilltop park) is the value alternative at $1.5M-$2.5M with similar build vintage and a tighter community feel. Both have stronger SFUSD lottery odds for nearby elementaries (Alvarado, Fairmount, Paul Revere) than central neighbourhoods, though the citywide system means no guarantee. Both maintained pricing better than downtown condos through 2022-2024 because demand for renovated single-family homes is structurally less rate-sensitive.
How does the SF Russian-speaking community map across neighbourhoods?
The Russian-speaking community in San Francisco has historic roots in the Richmond District (specifically Inner Richmond around Clement Street and Geary Boulevard) dating to multiple waves of emigration since 1917. Holy Virgin Cathedral on Geary remains a cultural anchor. Smaller concentrations sit in the Sunset, Marina, and Pacific Heights. The 2022-2024 tech-relocation wave added Russian-speaking professionals across SoMa, Mission Bay, and Hayes Valley high-rise condos. Lily Garipova represents Russian-speaking buyers and sellers across SF with full California disclosure review in Russian on request.
What is SF's Lower Polk, Tendernob, and Nob Hill condo market doing in 2026?
Lower Polk, Tendernob, and Nob Hill cover central SF's mid-rise condo stock spanning 1920s pre-war full-service buildings (980 Bush, 1100 Sacramento) to 1960s-1990s mid-rise (1170 Sacramento, Crown Towers). 1-bed condos run $550K-$900K, 2-bed $800K-$1.6M, 3-bed and view units $1.5M-$3M+. SB326 inspection status and elevator-modernization assessment exposure are the dominant variables. Nob Hill view units in pre-war full-service buildings carry the strongest long-run resale narrative; thin-reserve mid-rise carries the highest assessment risk.
How does SF jumbo financing differ from Peninsula and East Bay?
SF City and County's 2025 conforming high-balance limit is $1.149M (the same as San Mateo and Santa Clara). Above that, originations shift into jumbo or portfolio products. SF jumbo lenders prioritize buildings with healthy HOA reserves, complete SB326 inspection compliance, and clear soft-story retrofit status; condo-warrantability review is more rigorous than in suburban markets. TIC financing is portfolio-only with rates typically 50-150 bps above conforming and lender-specific (Sterling Bank, Bank of Marin legacy). Pre-clear the building, not just the borrower, before offer.
How does Lily Garipova represent SF buyers specifically?
Lily reads every disclosure end-to-end (TDS, NHD, SPQ, HOA package including reserve study, 12 months of meeting minutes, SB326 inspection report, soft-story retrofit completion certificate, preliminary title and CC&Rs to verify SFR vs condo vs TIC vs condo-mapped TIC), pulls the parcel-specific USGS liquefaction and Alquist-Priolo overlays, models full carrying cost including SF transfer tax tier, verifies SFUSD assignment process expectations, walks the property at multiple times of day, pre-clears the building with the buyer's jumbo lender, and stays willing to recommend walking from a deal that does not pencil.
How does Lily Garipova represent SF sellers specifically?
Strategic Listing Model applied at the SF neighbourhood level: comp set drawn from the exact neighbourhood and building tier (1920s pre-war full-service vs 1990s mid-rise vs 2010s high-rise; Noe Valley restored Victorian vs Bernal Heights cottage), not city-wide averages; pre-listing inspection with positive-ROI improvements only; full SB326 inspection, reserve study, and meeting-minute preparation; soft-story retrofit certificate confirmation; professional staging targeted to the neighbourhood's actual buyer pool; multi-platform marketing with active bid management; complete disclosure preparation to minimize post-close litigation exposure. 4 documented SF closings, $5.0M local volume.
What are Lily's documented San Francisco transactions?
Lily Garipova has 4 documented San Francisco closings on approximately $5.0M of local volume: 555 Innes Ave #309 ($0.5M, October 2025, buyer-side); 2760 19th Ave Unit 44 ($1.00M, October 2023, buyer-side); 3154 Baker St ($2.80M, April 2023, buyer-side); 551 Hudson Ave Unit 201 ($0.69M, September 2021, buyer-side). The closings span condo, mid-rise, and Marina single-family. Career-wide: 104 documented closings, $115M+ total volume, 91 of 104 buyer-side, 14 closings in the last 12 months, 5.0-star Zillow across 37 verified reviews.
How do I schedule a San Francisco consultation with Lily Garipova?
Call or text 415-910-3958, or email lilyagaripova@gmail.com. Free 30-minute initial consultation by phone, Zoom, or in person at any San Francisco address that works for you. Available in English and Russian. Cal DRE #02010731. The consultation walks through your specific buying or selling math: budget, timeline, neighbourhood vs building-quality trade-offs, SFR vs condo vs TIC structure choice, SFUSD lottery process, SB326 and soft-story compliance, transfer tax tier, jumbo and TIC financing pre-approval, and the realistic SF sub-market that fits.
What is the Mission Bay and Dogpatch market doing in 2026 with biotech and AI adjacency?
Mission Bay (UCSF Mission Bay campus, Chase Center, biotech and AI office cluster) condo pricing runs $900K-$1.8M in 2026 with the high-rise corridor (One Mission Bay, The Madrone, The Arden) holding stronger than 2010s-built mid-rise. Dogpatch (adaptive-reuse warehouse lofts, Pier 70 redevelopment) condo pricing runs $850K-$1.5M with single-family Edwardian and Victorian on Tennessee, Texas, and Indiana Streets at $1.6M-$2.4M. UCSF's biotech and the AI labs anchor 24/7 walking traffic that supports neighbourhood resilience; SB326 inspection status is the dominant building-level price variable.
How does the SF Sea Level Rise and the Embarcadero Seawall affect waterfront buyers?
The Port of San Francisco's Embarcadero Seawall, built starting in 1878, is undergoing a multi-decade seismic and sea-level-rise resilience program funded by 2018's Proposition A ($425M) and follow-on bonds. Waterfront condos in South Beach, Rincon Hill, and the Embarcadero corridor sit landside of the seawall and benefit indirectly from the upgrades. The SF Sea Level Rise Action Plan models 1.9-2.7 feet of rise by 2050; specific Mission Bay, Embarcadero, and Treasure Island parcels carry FEMA Special Flood Hazard Area exposure. Pull parcel-specific FEMA FIRM and SF Bay Conservation and Development Commission overlays before any waterfront offer.
Free 30-minute consultation to walk through your San Francisco buying or selling math in either Russian or English. Call 415-910-3958 or email lilyagaripova@gmail.com.
