46 Sumner St, San Francisco, CA 94103 Property Records

San Francisco City property record for 46 Sumner St, San Francisco, CA 94103

Property Summary

Property Type	Apartments (5+ Units)
Details	2 bd · 2 ba · 1,150 sqft · built 1906
Lot Size	0 acres (15 sqft)
Owner	Individual Name on File
Last Sale	$800,000 (Aug 2018)
Tax Bill	$23,603 (2025)
Deeds & Mortgages	Aug 2022 Mortgage Aug 2022 Construction Loan + 2 more
APN	`3730-045`

Property Details

APN / Parcel Number

Primary APN	`3730-045`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	4 Rooms
Units	4 Units
Stories	2 Stories
Building Area	1,150 sqft Living Area
1st Floor Area	1,150 sqft

Exterior

Year Built	Built 1906
Effective Year Built	Effective 1906
Architectural Style	Multi-Family
Construction Type	Frame
Lot Area	15 sqft
Lot Dimensions	58 ft deep x 25 ft wide

Location & Zoning

Street Address	46 SUMNER ST
City	SAN FRANCISCO
State	CA
Zip	94103-3920
Property Category	Residential
Property Type	Residential > Multi-Unit > Apartments (5+ Units)
Local Zoning Code	RED
Legal Description	TRACT 100 VARA BLK 408
Legal Subdivision	100 VARA BL 408
Legal Tract	100
Legal Block	3730
Legal Lot Number	45
Jurisdiction	SAN FRANCISCO CA
Township / Civil Division	SOMA-POTRERO-MISSION BAY
Census Block Group	1
Census Block	1007
Census Tract	17804

Owner

46 Sumner St, a residential property, is owned and occupied by an individual who bought it in August 2018.

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

Owner of Record	Individual Name on File
Mailing Address	PO BOX 330395, SAN FRANCISCO, CA 94133-0395
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Aug 24, 2022	Deed of Trust, Mortgage BANK OF MARIN
Aug 26, 2022	Deed of Trust, Mortgage · Construction Mortgage BANK OF MARIN
Aug 20, 2018	Grant Deed, Transfer · Line of Credit STERLING BK
Apr 17, 2018	Grant Deed, Transfer · Conventional Mortgage STERLING BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 20, 2018 · Amount on File
Deed Sale	Aug 20, 2018 · Amount on File
Prior Sale	Apr 17, 2018 · Amount on File
Deed Document Number	2018657350
Prior Transfer Date	Oct 19, 2006
Prior Transfer Doc	J255/0304
Record Updated	Oct 29, 2026

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN FRANCISCO CA
Property Address	46 SUMNER ST # 48, 48, SAN FRANCISCO, CA 94103-3920
Transaction Type	Mortgage
Record Updated	Jun 9, 2026
Title Company	OLD REPUBLIC TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	46 SUMNER ST, SAN FRANCISCO, CA 94103-3920

Mortgage

Document Number	0000081295
Date	Aug 24, 2022
Instrument	2022081295

Lender

Name	BANK OF MARIN
Type	Bank
Address	NOVATO, CA 94948

Agreement

Amount	Amount on Record

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN FRANCISCO CA
Property Address	46 SUMNER ST # 48, 48, SAN FRANCISCO, CA 94103-3920
Transaction Type	Mortgage
Record Updated	Jun 9, 2026
Title Company	OLD REPUBLIC TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	48 SUMNER ST, SAN FRANCISCO, CA 94103-3920

Mortgage

Document Number	0000082007
Date	Aug 26, 2022
Instrument	2022082007

Lender

Name	BANK OF MARIN
Type	Bank
Address	NOVATO, CA 94948

Agreement

Type	Construction Mortgage
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

August 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN FRANCISCO CA
Recording Date	Aug 20, 2018
Property Address	46-48 SUMNER ST, SAN FRANCISCO, CA 94103
Document Number	0K65700350
Instrument Date	Aug 7, 2018
Instrument	K657350
Transaction Type	Transfer
Record Updated	Sep 25, 2018
Title Company	OLD REPUBLIC TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$5,440.00
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	46 SUMNER ST SAN FRANCISCO CA 941033920, SAN FRANCISCO, CA 94103-3920

Mortgage

Document Number	K65700352
Date	Aug 20, 2018
Instrument	K657352

Lender

Name	STERLING BK
Type	Bank
Address	SOUTHFIELD, MI 48076

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	300 Months
Due	Aug 19, 2043

Interest

Rate Type	Adjustable Rate

Mortgage

Document Number	K65700351,
Date	Aug 20, 2018
Instrument	K657351

Lender

Name	STERLING BK
Type	Bank
Address	SOUTHFIELD, MI 48076

Agreement

Amount	Amount on Record
Term	360 Months
Due	Aug 19, 2048

Interest

Rate Type	Adjustable Rate
Rate	4.5%

April 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN FRANCISCO CA
Recording Date	Apr 17, 2018
Property Address	46-48 SUMNER ST, SAN FRANCISCO, CA 94103
Document Number	0K60100737
Instrument Date	Apr 11, 2018
Instrument	K601737
Transaction Type	Transfer
Record Updated	Aug 31, 2018
Title Company	OLD REPUBLIC TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$5,712.00
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	48 SUMNER ST SAN FRANCISCO CA 941033920, SAN FRANCISCO, CA 94103-3920

Mortgage

Document Number	K60100739
Date	Apr 17, 2018
Instrument	K601739

Lender

Name	STERLING BK
Type	Bank
Address	SOUTHFIELD, MI 48076

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 16, 2048

Interest

Rate Type	Adjustable Rate
Rate	4.37%

Tax Assessment & Valuation

The 2025 property tax bill for 46 Sumner St was $23,603 with a homeowner's exemption, up 3.4% from the year before.

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		$1,891,018 (+1.89%) Land $1,131,096 Building $754,064
2025	$23,603.00 (+3.39%) Homeowner's exemption	$1,855,890 Land $1,108,909 Building $739,272
2024	$22,829.00 (+2%)
2023	$22,381.00 (+2.07%) Homeowner's exemption	$1,776,417 Land $1,065,851 Building $710,566
2022	$21,927.00

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

Flood

FEMA has no flood map on file for 46 Sumner St.

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

The area around 46 Sumner St has no burnable land within ember reach, so its wildfire risk is not rated.

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 825 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable · Fiber in parts of the area	2,000 / 2,000
Verizon Fixed Wireless	1,000 / 75
Unwired Fixed Wireless	300 / 25
Etheric Networks Fixed Wireless	250 / 100
AT&T DSL · Fiber, Fixed Wireless in parts of the area	100 / 20

May also be available: Astound Broadband, GeoLinks, Google Fiber, T-Mobile.

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