523 45th Avenue, San Francisco
technical data · neighborhood and transit
Quick answers
- Does 523 45th Avenue have open permits or code violations?
- San Francisco Department of Building Inspection lists 40 permits, 14 not closed, and 13 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 523 45th Avenue at risk for?
- FEMA's National Risk Index rates the area relatively moderate overall, with elevated earthquake risk.
Permits and code violations
14 permits not closed out. Unfinished permits pass to the next owner. No open violations.
- Otc alterations permit Oct 2025Complete
Replacing 17 windows total in kind - 10x street facing and 7x non street visible at the rear. existing wood/aluminum- 17x double hung. replace with new fibrex- 17x double hung. all windows will be in kind and in the same opening and location. no size change u- factor < .30. no structural work.
- Additions alterations or repairs Nov 2023Filed
Add a new nook @ master bedroom,new spiral stairs to a new roof deck,new fire escapre egress.
- Otc alterations permit Jun 2022Reinstated
Re-roofing: remove and replace roofing material / existing roofing material (in-kind)
- Otc alterations permit Nov 2020Issued
Remodel (e) laundry area
- Otc alterations permit Apr 2019Issued
Re-roofing
- Otc alterations permit Nov 2018Complete
Demo of sheetrock, new wiring and to return to storage area.
- Otc alterations permit Apr 2017Complete
Replace bathtub (free standing, toilet (per code), vanity (free standing), repair leaking shower pan, add gfci (ground), add new led lights, new exhaust fan
- Otc alterations permit Aug 2016Issued
Reroofing
- Otc alterations permit Jul 2016Complete
Relocate (e) bathroom, move 1 shower, 2 sinks, 1 toilet, install new tub
- Otc alterations permit Mar 2016Complete
Replace 3 windows fibrex(not visible) ufact less then .32 no size changed.
- Otc alterations permit Nov 2015Complete
Reroofing
- Otc alterations permit Jan 2015Complete
Construction revision to permit application # 2013-07-16-1959. remove second garage stairs. no exterior or other changes on floor plans. comply with nov # 201478901
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
Nearest active fault
6.4 mi
Serra fault zone, slip rate unspecified. Ask about seismic retrofit and earthquake insurance.
USGS Quaternary Fault Database
Quakes M4.5+ since 1970
1 within 30 mi
Every recorded earthquake of magnitude 4.5 or stronger within 30 miles.
USGS earthquake catalog
Leaking fuel tanks
2 within 1,650 ft
Nearest: Commercial, 101 Point Lobos Ave (750 ft), no further action. Every release here is closed by the state regulator.
EPA UST Finder, leaking underground storage tank releases
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
Wildfire risk
Very Low
Wildfire risk is low enough that standard home insurance usually covers it.
FEMA National Risk Index
Nearest public schools
2,750 ft
Lafayette Elementary (2,750 ft), Washington (George) High (4,450 ft), Presidio Middle (5,000 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 45th Avenue
All addressesViewing recommendations
What's worth checking in person before deciding.
- Test water pressure and temperature at the tap, in the bathroom and kitchen, for at least a minute.
- Look at the stairwell (cleanliness, smell) and the association's notice board: unpaid dues, conflicts, recent decisions.
- Ask specifically where you'd park: is there paid city parking, who currently holds it, what the permit costs, and how long the waitlist is.
- Schedule a viewing on a weekday too, between 6:00 and 7:30 PM, the window when the building is busiest: neighbors, parking, elevator.
- Knock on a neighboring door and ask two things: what bothers them most often, and what work is planned for the building.
- Ask for the latest maintenance bill from a winter month, not a summer one: that's where the real cost of living there shows up.
Neighborhood recommendations are derived from public OpenStreetMap data and may be incomplete. Checking in person is still what matters most.
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