646 45th Avenue, San Francisco
Estimated number, map position is approximatetechnical data · neighborhood and transit
Quick answers
- Does 646 45th Avenue have open permits or code violations?
- San Francisco Department of Building Inspection lists 60 permits, 31 not closed, and 43 violations, 1 open.
- 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 646 45th Avenue at risk for?
- FEMA's National Risk Index rates the area relatively moderate overall, with elevated earthquake risk.
Permits and code violations
31 permits not closed out. Unfinished permits pass to the next owner. 1 open violation.
- Otc alterations permit Jan 2026Issued
Revision to pa #2025-1118-9918: interior remodel no work visible from street. removal of non load bearing partition walls at kitchen and infill bathroom door to create primary bath to primary bedroom. replace cabinets and finishes in bath & kitchen.
- Otc alterations permit Nov 2025Complete
Remodel 2 bathrooms and 1 kitchen.
- Otc alterations permit Sep 2025Issued
Replace existing wood siding like for like up to 300 sqft. front and side of the house, street visible.
- New construction wood frame Sep 2025Approved
Erect a new two dwelling unit with no basement, detached adu in compliance with state adu regulations per plannign code section 207.2.type v
- Otc alterations permit Apr 2023Complete
1-kitchen remodel: replace kitchen cabinets approx 15 6.g of cabinets in-kind, new appliances & countertop & sink, non-structural.
- Otc alterations permit Sep 2022Complete
Rev to pa 202106081962. remove replacement of stairs from scope, adjust foundation for gas pipe; remove t-straps detail 5/s3
- Otc alterations permit Jun 2022Complete
Apt 1: to comply with nov#202291769. replacing cabinets at 1st floor. replacing tiles at bathroom at the same floor. no change of floor plans. remodel kitchen & bathroom.
- Otc alterations permit Sep 2021Complete
To comply with 201613591. to memorize pairs to stucco. no plans required per nov. approx 50 sq ft
- Otc alterations permit Jun 2021Complete
Level (e) house. install footing @ crawl space.replace wood foundation w/conc. replace front conc steps remove & replace facade stucco. replace conc. walkway not on row) replace conc. pad @ laudry rm, install insulation @ north wall
- Additions alterations or repairs Jul 2020Issued
Add 3 bedrooms & 2 bath above existing 1 bedroom, 2 bath house with a 5' horizontal extension into the rear yard.
- Otc alterations permit Jun 2020Complete
To comply with nov20202698 per plans: replace interior drywall due to water damage, like-for-like, in-kind. relocate front entry door. all work at ground floor unit c
- Otc alterations permit May 2019Complete
Perform repairs per lingruen assoc termite report 82330. item 1d, 1e,5a,5c non street facing
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
6.2 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
1 within 1,650 ft
Nearest: Commercial, 101 Point Lobos Ave (1,350 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
Nearest public schools
2,600 ft
Lafayette Elementary (2,600 ft), Washington (George) High (4,250 ft), Presidio Middle (5,050 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.
- 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.
- 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.
- Look at the stairwell (cleanliness, smell) and the association's notice board: unpaid dues, conflicts, recent decisions.
Neighborhood recommendations are derived from public OpenStreetMap data and may be incomplete. Checking in person is still what matters most.
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