784 Spruce St, San Francisco, CA 94118 Property Records

San Francisco City property record for 784 Spruce St, San Francisco, CA 94118

Property Summary

Property Type	Apartments (5+ Units)
Details	2 ba · 2,060 sqft · built 1927
Lot Size	0.001 acres (25 sqft)
Owner	Company Name on Record
Last Sale	$1,535,000 (Feb 2016)
Tax Bill	$18,547 (2025)
Deeds & Mortgages	Aug 2020 Loan Modification Aug 2019 Loan Modification + 1 more
APN	`1088-017`

Property Details

APN / Parcel Number

Primary APN	`1088-017`

Interior

Full Baths	2 Baths
Total Rooms	10 Rooms
Units	4 Units
Stories	2 Stories
Building Area	2,060 sqft Living Area
1st Floor Area	2,060 sqft

Exterior

Year Built	Built 1927
Effective Year Built	Effective 1927
Architectural Style	Duplex Single
Construction Type	Frame
Lot Area	25 sqft (0.001 acres)

Location & Zoning

Street Address	784 SPRUCE ST
City	SAN FRANCISCO
State	CA
Zip	94118-3351
Property Category	Residential
Property Type	Residential > Multi-Unit > Apartments (5+ Units)
Local Zoning Code	RH3
Legal Subdivision	JUNIPERO HOMESTEAD ASSOCIATION TRACT
Legal Block	1088
Legal Lot Number	17
Jurisdiction	SAN FRANCISCO CA
Township / Civil Division	WESTERN ADDITION-BUENA VISTA-EUREKA VALLEY
Census Block Group	1
Census Block	1013
Census Tract	15701

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	Company Name on Record
Mailing Address	425 1ST ST, 4706, SAN FRANCISCO, CA 94105-4659
Owner Type	Company
Vesting	Trust, Living Trust

Deeds, Mortgages & Sale History

Date	Document
Aug 5, 2020	Loan Modification, Mortgage WELLS FARGO BK
Aug 19, 2019	Loan Modification, Mortgage · Conventional Mortgage WELLS FARGO BK
Oct 26, 2018	Deed of Trust, Mortgage WELLS FARGO BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 9, 2016 · Amount on Record
Deed Sale	Feb 9, 2016 · Amount on Record
Deed Document Number	2016199147
Prior Transfer Date	Jan 23, 2004
Prior Transfer Doc	J951/0713
Record Updated	Oct 29, 2026

August 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	SAN FRANCISCO CA
Property Address	784-786 SPRUCE ST, SAN FRANCISCO, CA 94118
Document Number	0000700476
Instrument Date	Aug 5, 2020
Transaction Type	Mortgage
Record Updated	Oct 7, 2020
Title Company	OLD REPUBLIC TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	425 IST ST #5903 SAN FRANCISCO CA 94105, 5903, SAN FRANCISCO, CA 94105

Mortgage

Document Number	0000700476
Date	Aug 24, 2020
Instrument	7476

Lender

Name	WELLS FARGO BK
Type	Bank
Address	121 S MARKET ST # 7TH, SAN JOSE, CA 95113-2293

Agreement

Amount	Amount Recorded

August 2019: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	SAN FRANCISCO CA
Property Address	784-786 SPRUCE ST, SAN FRANCISCO, CA 94118
Document Number	0K82400154
Instrument Date	Aug 19, 2019
Transaction Type	Mortgage
Record Updated	Sep 25, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	425 1ST ST #4706 SAN FRANCISCO CA 941054659, 4706, SAN FRANCISCO, CA 94105-4659

Mortgage

Document Number	0K82400154
Date	Sep 9, 2019
Instrument	K824154

Lender

Name	WELLS FARGO BK
Type	Bank
Address	SAN JOSE, CA 95113

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

October 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN FRANCISCO CA
Property Address	784-786 SPRUCE ST, SAN FRANCISCO, CA 94118
Document Number	0K69300481
Instrument Date	Oct 26, 2018
Transaction Type	Mortgage
Record Updated	Feb 20, 2019
Title Company	OLD REPUBLIC TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	425 IST ST #4706 SAN FRANCISCO CA 94105, 4706, SAN FRANCISCO, CA 94105

Mortgage

Document Number	0K69300481
Date	Nov 13, 2018
Instrument	K693481

Lender

Name	WELLS FARGO BK
Type	Bank
Address	SAN JOSE, CA 95113

Agreement

Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

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		$1,550,000 (+3.33%) Land $1,085,000 Building $465,000
2025	$18,547.00 (+1.02%)	$1,500,000 (-16.78%) Land $1,050,000 Building $450,000
2024	$18,360.00 (-16.52%)
2023	$21,992.00 (+1.91%)	$1,802,408 Land $1,222,595 Building $579,813
2022	$21,579.00

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	Low lower than 99.1% of the US · lower than 99.2% of California
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond 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 1,086 locations within half a mile, as of December 31, 2025

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

May also be available: Etheric Networks, GeoLinks.

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