46 Cotter St, San Francisco, CA 94112 Property Records

San Francisco City property record for 46 Cotter St, San Francisco, CA 94112

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,412 sqft · built 1963
Lot Size	0.001 acres (25 sqft)
Owner	2 Individual Names on Record
Last Sale	$1,250,000 (May 2019)
Tax Bill	$19,739 (2025)
Deeds & Mortgages	Sep 2022 Line of Credit Sep 2020 Mortgage + 2 more
APN	`6798-040`

Property Details

APN / Parcel Number

Primary APN	`6798-040`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	2,412 sqft Living Area
Gross Area	2,517 sqft
1st Floor Area	2,412 sqft
Basement Area	105 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1963
Effective Year Built	Effective 1963
Architectural Style	Contemporary
Exterior Material	Stucco
Construction Type	Frame
Roof Material	Tar & Gravel
Lot Area	25 sqft (0.001 acres)
Lot Dimensions	100 ft deep x 25 ft wide
Garage Type	Covered

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	46 COTTER ST
City	SAN FRANCISCO
State	CA
Zip	94112-1919
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RH1
Legal Subdivision	ACADEMY TRACT
Legal Block	6798
Legal Lot Number	40
Jurisdiction	SAN FRANCISCO CA
Township / Civil Division	MERCED-MCLAREN
Census Block Group	2
Census Block	2015
Census Tract	25502

Owner

Source: San Francisco City records, as of September 8, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	46 COTTER ST, SAN FRANCISCO, CA 94112-1919
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 30, 2022	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA NA
Sep 30, 2020	Deed of Trust, Mortgage · Conventional Mortgage WESLEND FIN'L
Sep 10, 2020	Deed of Trust, Mortgage · Conventional Mortgage WESLEND FIN'L
May 16, 2019	Grant Deed, Transfer · Conventional Mortgage LOANDEPOT.COM LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 16, 2019 · Amount on Record
Deed Sale	May 16, 2019 · Amount on Record
Deed Document Number	2019767573
Prior Transfer Date	Aug 10, 2016
Prior Transfer Doc	000K313350
Record Updated	Oct 29, 2026

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN FRANCISCO CA
Property Address	46 COTTER ST, SAN FRANCISCO, CA 94112-1919
Transaction Type	Mortgage
Record Updated	Oct 21, 2022
Title Company	WFG LENDER SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	46 COTTER ST, SAN FRANCISCO, CA 94112-1919

Mortgage

Document Number	0000091016
Date	Sep 30, 2022
Instrument	2022091016

Lender

Name	BANK OF AMERICA NA
Type	Bank
Address	FORT WORTH, TX 76155

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN FRANCISCO CA
Property Address	46 COTTER ST, SAN FRANCISCO, CA 94112-1919
Document Number	0002300724
Instrument Date	Sep 30, 2020
Transaction Type	Mortgage
Record Updated	Nov 3, 2020
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	46 COTTER ST SAN FRANCISCO CA 941121919, SAN FRANCISCO, CA 94112-1919

Mortgage

Document Number	0002300724
Date	Sep 30, 2020
Instrument	23724

Lender

Name	WESLEND FIN'L
Type	Funding / Finance Company
Address	SANTA ANA, CA 92707

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 29, 2050

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN FRANCISCO CA
Property Address	46 COTTER ST, SAN FRANCISCO, CA 94112-1919
Document Number	0001700417
Instrument Date	Sep 10, 2020
Transaction Type	Mortgage
Record Updated	Oct 7, 2020
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	46 COTTER ST SAN FRANCISCO CA 941121919, SAN FRANCISCO, CA 94112-1919

Mortgage

Document Number	0001700417
Date	Sep 16, 2020
Instrument	17417

Lender

Name	WESLEND FIN'L
Type	Funding / Finance Company
Address	SANTA ANA, CA 92707

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 15, 2050

May 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN FRANCISCO CA
Recording Date	May 16, 2019
Property Address	46 COTTER ST, SAN FRANCISCO, CA 94112-1919
Document Number	0K76700573
Instrument Date	May 10, 2019
Instrument	K767573
Transaction Type	Transfer
Record Updated	Jun 6, 2019
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$9,375.00
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	121 W MOLTKE ST DALY CITY CA 940142235, DALY CITY, CA 94014-2235

Mortgage

Document Number	K76700574
Date	May 16, 2019
Instrument	K767574

Lender

Name	LOANDEPOT.COM LLC
Type	Funding / Finance Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 15, 2049

Tax Assessment & Valuation

Source: San Francisco City assessment roll, as of September 8, 2026

Property Jurisdictions

Type	Name
State	California
County / Municipality	San Francisco City
Unified School District	San Francisco Unified School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$1,639,901 (+2%) Land $995,601 Building $644,300
2025	$19,739.00 (+2.96%) Homeowner's exemption	$1,607,739 (+4.04%) Land $976,076 Building $631,663
2024	$19,171.00 (+1.53%)
2023	$18,882.00 (+0.56%) Homeowner's exemption	$1,545,311 Land $938,175 Building $607,136
2022	$18,777.00

Assessed value is set for property tax purposes and is not a market price estimate.

Flood

Source: FEMA National Flood Hazard Layer

FEMA Flood Zone	Not on file

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	SFPUC CITY DISTRIBUTION DIVISION serves 848,019 people · EPA ID CA3810011
Water Source	Purchased surface water from SAN FRANCISCO REGIONAL WATER SYSTEM
Last State Inspection	Mar 2023
Lead	Under 1 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 1,561 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Sonic Telecom Fiber	10,000 / 10,000
AT&T Fiber · Fixed Wireless, DSL in parts of the area	5,000 / 5,000
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
Etheric Networks Fixed Wireless	250 / 100
T-Mobile Fixed Wireless	100 / 20

May also be available: Astound Broadband, GeoLinks, Unwired.

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