407 Banks StreetSan Francisco, California 94110

$1,650,000

In one of South Bernal’s most walkable pockets—just off Cortland Avenue on a flat, tree-lined block—lies this luminous and exquisitely updated single-family home. At almost 2,000 sq ft, this 3++ bed, 3 bath residence melds graceful indoor living with effortless access to serene outdoor spaces in a truly flexible layout. Step into the main level and feel the warmth of a west-facing living room, where natural light pours in and accentuates modern finishes. The living area flows fluidly into a generously sized, chef-worthy kitchen, adorned with refined hardware, abundant counter space, and stylish built-ins. Adjacent to the kitchen, a glass door beckons you out to an expansive deck—perfect for entertaining—while a landscaped backyard unfolds beyond, quietly warmed by the sun, ideal for morning yoga or al fresco dining. The main level also includes a full bath, a dedicated laundry room, and a versatile office or flex room, perfect for today’s work-from-home needs. Ascend to the upper floor and discover two tranquil bedrooms linked by a luminous Jack-and-Jill bathroom, where bright interiors meet city views. Each room is thoughtfully proportioned to deliver calm and privacy. Downstairs, an enchanting lower level reveals flex space with its own full bath (w/permit) and direct access to the yard and patio. Three additional finished rooms can serve as a home gym, media space, bedrooms or guest suites—offering flexibility for nearly any configuration. Outside, the sun-drenched yard is framed by a mature plum tree and nicely designed, drought-tolerant landscaping—an ideal canvas for entertaining, quiet reflection, or gardening. The property includes carport parking, generous street parking, and seamless access to 101/280, the shops on Cortland, and Alemany Farmers Market. This thoughtfully updated, light-filled home is rare in its combination of scale, style, and indoor-outdoor appeal. Whether you seek space to grow, room to entertain, or a tranquil urban retreat, this residence delivers on every level!

• Spacious and beautifully updated 3++ bd/3 ba SFH residence melds graceful indoor living with effortless access to serene outdoor spaces
• Light-filled main level features a west-facing living room that flows fluidly into a generously sized, chef-worthy kitchen, adorned with refined hardware, abundant counter space, and stylish built-in
  
• Expansive deck—perfect for entertaining—with a landscaped backyard unfolding beyond, quietly warmed by the sun, ideal for morning yoga or al fresco dining
• Upper Level features two bedrooms with adjoining bathroom and city views, and could easily be used as a Primary Suite w/ sitting area or den
• Lower level includes a bedroom with a full bath that opens directly to the patio and garden, and two additional rooms
• Flexible floor plan complete with beautifully updated full bathrooms, can easily fit into the way you live
• One car parking pad + plenty of street parking 
• Located on a fantastic, flat, tree-lined block in South Bernal Heights just steps from Cortland Ave, with easy access to 101/280 and the Alemany Farmers Market