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Property profile & analytics
OFF-MARKET
Estimated value
$1,600,000
Retail residential properties
3515 20th St 3521 San Francisco, CA 94110-2416
Individually Owned
9-yr Hold
Absentee Owner
Property ID
US09-5874760
Property profile
Verified
Property type
Retail residential properties
Use group
STORES & APARTMENTS
Year built
1900
Construction
WOOD
Total area
5,875 SF
Lot
0.07 ac (3,187 SF)
Zoning code
NC3
APN
3609 -115
UPID
US09-5874760
Cap rate & NOI
Priority signal for investors
Implied cap rate, NOI & suggested price
Cap rate vs submarket · NOI estimate · 3 price anchors
Implied cap rate, NOI & suggested price
Cap vs submarket · NOI estimate · 3 price anchors
Current use
Occupant on record · Public records
-
Okaeri Japanese Bistro Restaurant
Value estimations
Realmo proprietary · 4 methods
AI Approach
AI
by Request
CAP Approach
CAP
$1.83M
Comparable Approach
Comparable
$1.26M
Blend (final)
Blend
$1.60M
Owner & transaction history
Jeannie Ho · 9 yrs held
Jeannie Ho
since 2016
7 recorded transactions
Zoning & alternative use
NC3 · San Francisco, CA
Permitted uses
Permitted uses
Allowed · conditional · prohibited
Top alternative use upside
Retail stores
$2.3M
+7.7%
Cap rate
Implied · in-place · derived from last sale + estimated NOI
Implied Cap rate
#1
Implied · in-place · NOI ÷ last sale
In-place · derived from last sale + estimated NOI
Cap rate, NOI & submarket benchmark
Implied cap rate vs San Francisco submarket · NOI estimate · Typical band, median & reading
Implied cap rate, NOI & submarket benchmark
Cap vs San Francisco submarket · NOI estimate · typical band, median & reading
Refine your cap rate
8-question underwriting flow
1.
Property current status — Going-In vs Stabilized
2.
Price for denominator — asking / offer / market
3.
Leasing status & lease structure (NNN / Gross)
4.
Tenant risk profile & vacancy assumption
5.
Upload T12 / rent roll / OM (optional)
Refine in 60 seconds, get exact suggested price
T12 upload · Submarket benchmarks · Sensitivity grid
Suggested price · 3 cap rate anchors
Income approach @ 5% / 7% / 9% — aggressive / typical / conservative
Suggested price at 5% / 7% / 9% cap
Aggressive / typical / conservative · Implied $/SF per anchor · Sensitivity grid
Suggested price at 5% / 7% / 9% cap
Aggressive / typical / conservative · implied $/SF · sensitivity
Value
AI, CAP & Alternative Use estimations · Realmo proprietary blendValue Estimations
Based on Realmo’s proprietary methodology
AI Approach
Method
Estimation
Statistic approach
by Request
ML approach
by Request
CAP Approach
CAP Return
Estimation
6%
$1,985,000
6.5%
$1,830,000
7%
$1,700,000
Alternative Use
Use
Estimation
COMMERCIAL (GENERAL)
$2,120,000
Current use
RETAIL STORES
$2,285,000
Change: +8% · Conversion: Easy
APARTMENT HOUSE (5+ UNITS)
$2,020,000
Change: -5% · Conversion: Moderate
INDUSTRIAL (GENERAL)
$1,830,000
Change: -14% · Conversion: Moderate
Blend value · Realmo final
$1.60M
Range $1.44M – $1.76M · ±10%
Realmo estimate · informational only.
These numbers are calculated by our models from public records and may not reflect actual market value.
Not an appraisal.
Verify with a licensed appraiser before transacting. Realmo accepts no liability for divergence from real-world outcomes.
View the full estimation — every method, every assumption
Confidence drivers & risk notes · Custom comparable set · Free for first 3 / day
Full estimation methodology
Every method · every assumption · confidence drivers
Price per SF
Sale + rent benchmarks
Subject property
$272 / SF
Submarket sale & rent benchmarks
Median sale $/SF · Asking & closed rent · Submarket vacancy
Submarket sale & rent benchmarks
Median sale $/SF · asking & closed rent · submarket vacancy
Property tax & assessments
Tax year 2024Property tax & assessments
Tax year 2024
Tax billed
$41,000
Tax year 2024
Assessed value
$3,432,584
Assessed 2024
Previous assessed
$3,432,584
+0.0% YoY
Effective rate
1.19%
On assessed value
Assessed land
$2,389,439
Assessed improvement
$1,043,145
Applied tax rate
1.0000
Comparables
6 recent transactions · within 1.5 miComparable in this city
6 recent transactions
Comparable in this City
Similar Nearby for Sale
Similar Nearby for Lease
Recent comparable sales
Sale price & price/SF · Sale date & distance · Adjustments & confidence
Recent comparable sales
Sale price & $/SF · sale date & distance · adjustments
Property description
Physical attributes from public recordsBuilding & lot
Public records
Property type
Retail residential properties
Use group
STORES & APARTMENTS
Status
Off-Market
Year built
1900
Construction
WOOD
Heating
NONE
Stories
3
Units
2
Rooms
15
Bathrooms
4
Total area
5,875 SF
Lot
0.07 ac (3,187 SF)
Zoning code
NC3
APN
3609 -115
UPID
US09-5874760
Jurisdiction
SAN FRANCISCO
Metro division
SAN FRANCISCO-SAN MATEO-REDWOOD CITY, CA METROPOLITAN DIVISION
Zoning & alternative use
NC3 · San Francisco, CA
Zoning NC3 · permitted uses
NC3 · San Francisco, CA
Permitted & conditional uses
Allowed uses · Special-permit conditions · Prohibited uses
Permitted & conditional uses
Allowed · special-permit conditions · prohibited
San Francisco. Always verify with local authorities before improvements.
Alternative use value scenarios
Repositioning upside vs current use
COMMERCIAL (GENERAL) Current
Est. value
$2.1M
RETAIL STORES
Est. value
$2.3M
APARTMENT HOUSE (5+ UNITS)
Est. value
$2.0M
INDUSTRIAL (GENERAL)
Est. value
$1.8M
COMMERCIAL (GENERAL) Current
RETAIL STORES
APARTMENT HOUSE (5+ UNITS)
INDUSTRIAL (GENERAL)
Alternative use deep dive — conversion cost, permits, timeline
Conversion cost estimate · Permit path & risks · Stabilized NOI per option
Alternative use deep dive
Conversion cost · permit path · stabilized NOI per option
Building & site characteristics
From public records
Year built
1900
Construction
WOOD
Heating
NONE
Stories
3
Units
2
Rooms
15
Bathrooms
4
Lot
0.07 ac
Current owner
From public records · entity-resolved
Jeannie Ho
Individual
Mailing address
115 MONCADA WAY, SAN FRANCISCO, CA 94127-2858
Mailing matches property
Different — outreach signal
Owner-occupied
No
Ownership since
2016
Owner contacts — direct phone, email, and related entities
Decision-maker phone · Verified email · Related entities & filings
Owner contacts
Email · phone · related entities
Sales History
10 recorded events · public records
Date
Price
Buyer
Seller
Deed Type
Mortgage
Apr 5, 2022
—
Jeannie Ho
—
Deed
related
$3,000,000 · The Manzana Trust
Jan 31, 2022
—
Jeannie Ho
—
Deed
related
$2,000,000 · General Mortgage Capital Corp
Aug 18, 2021
—
Jeannie Ho
—
Deed
related
$3,000,000 · The Manzana Trust
Sep 10, 2018
—
Jeannie Ho
—
Deed
related
$600,000 · Shanghai Com'l Bk Ltd
Feb 14, 2017
—
Jeannie Ho
—
Deed
related
$500,000 · Shanghai Com'l Bk Ltd
Oct 28, 2016
—
Jeannie Ho
Tao Yin INC
Grant Deed
related
—
Aug 16, 2013
$1,460,000
Tao Yin INC
Tom Yuen Family Trust
Grant Deed
$876,000 · Shanghai Commercial Bank Ltd
Jul 1, 2013
—
Tom,yuen Family Trust
Tom,yuen O
Quit Claim Deed
related
—
—
—
Jeannie Ho
—
Deed Of Trust
related
$500,000 · Shanghai Com'l Bk Ltd
—
—
Jeannie Ho
—
Loan Modification
related
$600,000 · Shanghai Com'l Bk Ltd
Coming soon
Costs & Benchmarks
Operating expenses, capex projections, utility benchmarks, and submarket comparables — all in one view.
Coming soon
Risks
Flood, climate, environmental, title, and tenant-concentration risk — surfaced with mitigations and source citations.
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