45 Sutro Heights Avenue, San Francisco
technical data · neighborhood and transit
Quick answers
- Does 45 Sutro Heights Avenue have open permits or code violations?
- San Francisco Department of Building Inspection lists 18 permits, 8 not closed, and 0 violations.
- What is the 2026 conforming loan limit in San Francisco County?
- $1,249,125 for a single-unit home, per FHFA. Larger loans are jumbo loans.
- Is radon a problem here?
- EPA radon zone 2, moderate potential.
- What natural disasters is 45 Sutro Heights Avenue at risk for?
- FEMA's National Risk Index rates the area relatively moderate overall, with elevated earthquake risk.
Permits and code violations
8 permits not closed out. Unfinished permits pass to the next owner.
- Otc alterations permit Sep 2022Issued
Kitchen cabinet, countertops, floor, sheetrock, painting. r & r kitchen in kind.
- Otc alterations permit May 2021Issued
Re-roofing: remove and replace roofing material / existing roofing material (in-kind)
- Otc alterations permit May 2021Issued
Replace approx 500 sqft siding on the south facing side with james hardie. replace two windows - non street facing u fact 0.3 max
- Otc alterations permit Jun 2019Complete
Unit 39, 2nd flr. living, dining and (e) bathroom remodel. (n) bathroom addition. no exterior work.
- Otc alterations permit Sep 2015Complete
2 fibrex rep. windows (non-visivle) . no size change. ufactor less than .32 (max)
- Otc alterations permit Nov 2013Expired
Bath remodel, drywall repair, replace shower wall & cieling panel shower door, pan. no structural changes, 5x8 bathroom.
- Otc alterations permit Jul 2013Issued
Reroofing
- Otc alterations permit Jun 2013Complete
Replace 1 window & 1 door, not visable from street, no structural changes, max u factor 0.40.
- Otc alterations permit Mar 2012Complete
Convert (e) rear storage to living room & full bath on 1st floor.
- Otc alterations permit Jan 2012Complete
Remodel 1 bathrm for unit #41, repl shower, sink toilet in kind, no structural changes new light comply w/cec 150(k); repl 2 windows for unit #39, 2 windows for #41 (not visible from street, repl in kind u factor .40)
- Otc alterations permit Jan 2012Complete
Remodel 1 bathrm for unit #41, repl shower, sink toilet in kind, no structural changes new light comply w/cec 150(k); repl 2 windows for unit #39, 2 windows for #41 (not visible from street, repl in kind u factor .40)
- Otc alterations permit Dec 2010Complete
Remove e termite damaged rear deck at 2nd/3rd fl. replace e windows and doors at living rms on 2/3 fl. repair/replace e rear wood stair with rear. repair/replace termite damaged exterior wall siding as needed.
San Francisco Department of Building Inspection
Safety and environment
FEMA natural hazard risk
Relatively Moderate
Highest for this area: earthquake. These drive insurance cost here.
FEMA National Risk Index, census tract
Radon potential
Moderate
Average indoor levels of 2 to 4 pCi/L. EPA still suggests testing ground-floor and basement units.
EPA and USGS Geologic Radon Potential Map
Nearest public schools
3,200 ft
Lafayette Elementary (3,200 ft), Washington (George) High (4,900 ft). Confirm the assigned school with the district.
U.S. Department of Education, NCES
Conforming loan limit 2026
$1,249,125
San Francisco County. Mortgages up to this amount qualify for Fannie Mae and Freddie Mac pricing. Above it, the loan is a jumbo with stricter terms.
FHFA Conforming Loan Limit Values, one-unit
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Who lives and works in San Francisco
Venture capital, AI labs and the highest founder density in the country
San Francisco runs on company building. Engineering and product salaries set the price floor, offices cluster in SoMa and the Mission, and demand moves with funding cycles rather than with the school calendar.
- $141,446
- median household income
- 19.6%
- residents aged 25 to 34
- 38%
- households that own their home
What pays the bills
- Software and AI
- Venture capital
- Biotech
- Professional services
- Tourism
Who anchors the economy
OpenAI · Salesforce · Stripe · UCSF · Y Combinator
The market is shaped around
- Founders and engineers
- Early career tech workers
- People who move for a company
More on Sutro Heights Avenue
All addressesViewing recommendations
What's worth checking in person before deciding.
- This is a house, not an apartment. Check the lot boundaries, car access, and how water drains from the yard after rain, including whether the neighboring lot sits higher and could send water toward the property.
- Semi-detached or row house: the shared wall matters. Listen from the room adjoining the neighbor's side and ask whether any structural work has been done there.
- Test water pressure and temperature at the tap, in the bathroom and kitchen, for at least a minute.
- Ask to see the construction documents (permit, sign-off) and check for visible cracks on the facade or in the attic/basement.
- Knock on a neighboring gate and ask about noise, pets, flooding, or other issues common in the area.
- Schedule a viewing in the evening too, on a weekday, to see street traffic, streetlights, and how quiet the neighborhood is after 8 PM.
- Ask what heating system is in place (own boiler, wood, gas) and request the last winter month's bills.
Neighborhood recommendations are derived from public OpenStreetMap data and may be incomplete. Checking in person is still what matters most.