787 Spruce St, San Francisco, CA 94118 Property Records

San Francisco City property record for 787 Spruce St, San Francisco, CA 94118

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,675 sqft · built 1954
Lot Size	0 acres (17 sqft)
Owner	Individual Name on File
Last Sale	$852,000 (May 2008)
Tax Bill	$23,092 (2025)
Deeds & Mortgages	Apr 2022 Line of Credit May 2021 Mortgage + 5 more
APN	`1087-009A`

Property Details

APN / Parcel Number

Primary APN	`1087-009A`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,675 sqft Living Area
Gross Area	2,245 sqft
1st Floor Area	1,675 sqft
Basement Area	570 sqft

Exterior

Year Built	Built 1954
Effective Year Built	Effective 1954
Construction Type	Frame
Lot Area	17 sqft

Location & Zoning

Street Address	787 SPRUCE ST
City	SAN FRANCISCO
State	CA
Zip	94118-3322
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RH3
Legal Subdivision	JUNIPERO HOMESTEAD ASSOCIATION TRACT
Legal Block	1087
Legal Lot Number	9A
Jurisdiction	SAN FRANCISCO CA
Township / Civil Division	WESTERN ADDITION-BUENA VISTA-EUREKA VALLEY
Census Block Group	1
Census Block	1014
Census Tract	15701

Owner

787 Spruce St is owned and occupied by an individual who bought it in May 2008.

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

Owner of Record	Individual Name on File
Mailing Address	787 SPRUCE ST, SAN FRANCISCO, CA 94118-3322
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
Apr 13, 2022	Deed of Trust, Mortgage · Line of Credit THE GOLDEN 1 CU
May 18, 2021	Deed of Trust, Mortgage · Conventional Mortgage GUARANTEED RATE INC
Mar 17, 2020	Deed of Trust, Mortgage WELLS FARGO BK
Aug 16, 2019	Deed of Trust, Mortgage WELLS FARGO BK
Aug 16, 2019	Deed of Trust, Mortgage · Line of Credit WELLS FARGO BK
Jul 20, 2018	Quit Claim Deed, Transfer Quitclaim
Jun 29, 2018	Quit Claim Deed, Mortgage WELLS FARGO BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 30, 2008 · Amount on File
Deed Sale	May 30, 2008 · Amount on File
Deed Document Number	2008590459
Deed Book / Page	652 / 291
Prior Transfer Date	Apr 7, 2008
Prior Transfer Doc	J652/0290
Record Updated	Oct 29, 2026

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN FRANCISCO CA
Property Address	787 SPRUCE ST, SAN FRANCISCO, CA 94118-3322
Transaction Type	Mortgage
Record Updated	May 10, 2022
Title Company	E-PLACER TITLE, PLACER TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	787 SPRUCE ST, SAN FRANCISCO, CA 94118-3322

Mortgage

Document Number	0000037785
Date	Apr 13, 2022
Instrument	2022037785

Lender

Name	THE GOLDEN 1 CU
Type	Credit Union
Address	SACRAMENTO, CA 95826

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	361 Months
Due	May 1, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN FRANCISCO CA
Property Address	787 SPRUCE ST, SAN FRANCISCO, CA 94118-3322
Transaction Type	Mortgage
Record Updated	Sep 28, 2021
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	787 SPRUCE ST, SAN FRANCISCO, CA 94118-3322

Mortgage

Document Number	2021081609
Date	May 18, 2021
Instrument	2021081609

Lender

Name	GUARANTEED RATE INC
Type	Mortgage Company
Address	CHICAGO, IL 60613

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	359 Months
Due	Apr 1, 2051

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN FRANCISCO CA
Property Address	787 SPRUCE ST, SAN FRANCISCO, CA 94118-3322
Document Number	0004700465
Instrument Date	Mar 17, 2020
Transaction Type	Mortgage
Record Updated	Jan 4, 2021
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	787 SPRUCE ST SAN FRANCISCO CA 941183322, SAN FRANCISCO, CA 94118-3322

Mortgage

Document Number	0004700465
Date	Nov 12, 2020
Instrument	47465

Lender

Name	WELLS FARGO BK
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Amount	Amount on Record
Term	360 Months
Due	Nov 11, 2050

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN FRANCISCO CA
Property Address	787 SPRUCE ST, SAN FRANCISCO, CA 94118-3322
Document Number	0K81800587
Instrument Date	Aug 16, 2019
Transaction Type	Mortgage
Record Updated	Sep 4, 2019
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	787 SPRUCE ST SAN FRANCISCO CA 941183322, SAN FRANCISCO, CA 94118-3322

Mortgage

Document Number	0K81800587
Date	Aug 22, 2019
Instrument	K818587

Lender

Name	WELLS FARGO BK
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Amount	Amount on Record
Term	360 Months
Due	Aug 21, 2049

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN FRANCISCO CA
Property Address	787 SPRUCE ST, SAN FRANCISCO, CA 94118-3322
Document Number	0K81800588
Instrument Date	Aug 16, 2019
Transaction Type	Mortgage
Record Updated	Sep 4, 2019
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	787 SPRUCE ST SAN FRANCISCO CA 941183322, SAN FRANCISCO, CA 94118-3322

Mortgage

Document Number	0K81800588
Date	Aug 22, 2019
Instrument	K818588

Lender

Name	WELLS FARGO BK
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Aug 21, 2049

Interest

Rate Type	Adjustable Rate

July 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN FRANCISCO CA
Recording Date	Jul 20, 2018
Property Address	787 SPRUCE ST, SAN FRANCISCO, CA 94118-3322
Document Number	0K64100820
Instrument Date	Jul 13, 2018
Instrument	K641820
Transaction Type	Transfer
Record Updated	Aug 13, 2018

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	787 SPRUCE ST SAN FRANCISCO CA 941183322, SAN FRANCISCO, CA 94118-3322

June 2018: Quit Claim Deed, Mortgage

Document Type	Quit Claim Deed
Jurisdiction	SAN FRANCISCO CA
Recording Date	Jun 29, 2018
Property Address	787 SPRUCE ST, SAN FRANCISCO, CA 94118-3322
Document Number	0K63400112
Instrument Date	Jun 22, 2018
Instrument	K634112
Transaction Type	Mortgage
Record Updated	Jul 16, 2018
Title Company	CHICAGO TITLE COMPANY

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Separate Estate/Property
Address	787 SPRUCE ST SAN FRANCISCO CA 941183322, SAN FRANCISCO, CA 94118-3322

Mortgage

Document Number	K63400113
Date	Jun 29, 2018
Instrument	K634113

Lender

Name	WELLS FARGO BK
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Amount	Amount on Record
Term	360 Months
Due	Jun 28, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 787 Spruce St was $23,092 with a homeowner's exemption, up 3% 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		$1,141,501 (-39.64%) Land $799,051 Building $342,450
2025	$23,092.00 (+2.97%) Homeowner's exemption	$1,891,246 Land $783,377 Building $1,107,869
2024	$22,427.00 (+28.35%)
2023	$17,473.00 (+33.47%) Homeowner's exemption	$1,425,652 Land $752,958 Building $672,694
2022	$13,091.00

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

Flood

FEMA has no flood map on file for 787 Spruce 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

Wildfire risk around 787 Spruce St is low, with less than a 0.01% annual chance of 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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