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Panoramic Views, Modern Updates | 3BR SF Home in a Serene Yet Connected Neighborhood

430 Garfield St | Merced Heights Offered at: $999,000

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Panoramic, unobstructed views captivate from the main living areas of this beautifully updated 1937 single-family home. Spanning 1,555 sq ft (per graphic artist), this 3BD/2BA home features thoughtful updates including a new roof and skylights (2022), updated electrical, and renovated kitchen and bathrooms. The main level welcomes you with generous skylights, stunning views through large windows in the living room, and seamless flow to the dining area connecting to both the kitchen and outdoor deck. The modern kitchen boasts newer stainless steel appliances, clever storage solutions including a retractable island, while two light-filled bedrooms and an updated bathroom with an oversized tub complete this floor. Downstairs, find a private primary suite with updated bathroom, convenient laundry area, and direct access to both the spacious 1-car garage (with additional driveway parking) and tiered backyard ideal for gardening or entertaining. Located in a charming Merced Heights with easy access to parks, libraries, Stonestown Galleria, and shops along Ocean Ave. Easy commute: ~1 mi from Balboa Park and Daly City BART stations, walking distance to MUNI bus and light-rail lines, easy freeway access.

About the Home

3
Bedrooms
2
Bathrooms
1,555
Square Feet
2
Parking Spots
1937
Year Built

Features

  • 3 bed, 2 bath single family home 
  • Year built: 1937 
  • Thoughtful updates throughout including newer roof and skylights (2022), bathroom and kitchen upgrades (2023), electrical upgrades with recessed lighting (2020) and newer fence and windows (2021). 
  • SqFt: 1,555 SF (per graphic artist)
  • 2 Parking (1-car garage plus driveway parking)
  • Stunning panoramic views including the ocean, Marin Headlands, Twin Peaks, and Mount Davidson.
  • Spacious living room with large windows framing the city and ocean views
  • Living room flows into the functional and entertaining-friendly dining room off kitchen with direct deck and yard access – hello indoor/outdoor living! 
  • Updated bathroom on the main level with oversized tub 
  • Large windows and skylights brings natural light in all directions 
  • Two spacious bedrooms on the main level 
  • Primary suite features a spacious closet and recently updated bathroom 
  • Convenient backyard access from both main living area and garage
  • Tiered backyard with flat area at bottom for activities
  • Dedicated laundry closet with newer washer and dryer 
  • 1-car garage with interior access and additional parking on the driveway 
  • Excellent storage throughout the home (sizable closets in each bedroom, hall closets, walk-in utility closet, garage storage)
  • Charming vintage features (original 1937 flooring, baseboards, trim, decorative fireplace) with modern updates
  • Urbano Street is just 2 blocks away, offering a one-mile loop where you can jog, bike or take walks.
  • Stone’s throw from Stonestown Galleria with shops, restaurants, Whole Foods, Trader Joe’s, Target, movie theatre, gym, Sunday’s farmer’s market and more! 
  • Plenty of parks and libraries nearby: Merced and Oceanview branch libraries, Merced Heights Playground, Aptos Park, Brooks Park and more! 
  • Prime location with easy access to public transportation: 29 MUNI bus one block away, M-line alone 19th Ave. and Junipera Serra Blvd., and both Balboa and Daly City BART just 5 minutes away. 
  • Quick access to I-280 and only 13 minutes from SFO airport

The moment you walk in, the panoramic views take your breath away—sweeping, unobstructed, and perfectly framed from the home’s main living areas. These are the kinds of views that transform everyday moments into something extraordinary—and they’re undoubtedly one of this home’s most valuable and captivating features.

Set in a charming 1937 single-family home that’s been extensively updated between 2020–2023, this 3-bedroom, 2-bath ocean-view residence spans 1,555 square feet (per graphic artist). Thoughtful modern upgrades include a newer roof, skylights, remodeled kitchen and bathrooms, and electrical enhancements—all while maintaining the home’s original character.

Past the skylit entry and hallways, the views greet you through expansive windows in the light-filled living room, where natural light pours in and the city and sea stretch before you. This airy space flows into an entertainment-friendly dining room, which connects directly to both the updated kitchen and the outdoor deck—creating a seamless extension of your living space. Imagine dinners with sunset backdrops, or hosting summer BBQs with guests moving effortlessly from the dining room to the deck and down into the tiered backyard.

The yard offers a variety of versatile outdoor areas, including a flat zone perfect for gardening, al fresco dining, or play—with access points from both the main living level and the garage for optimal indoor-outdoor flow.

The kitchen is not only visually updated but also impressively efficient. Features include a space-saving retractable island, magnetic knife block, and clever cabinet storage solutions like lazy Susans, built-in spice racks, and pull-out trash bins. Across from the kitchen, a generous full bath features ample cabinetry and an oversized soaking tub—ideal for unwinding after a long day. Two sunny bedrooms complete this level.

Downstairs, the private primary suite offers a peaceful escape with a spacious closet and updated en suite bathroom, creating a retreat that balances comfort and privacy. This level also includes a laundry area, large storage closet, and direct access to the 1-car garage, which offers room for both a vehicle and additional storage. Plus, there’s a paved driveway for a second parking space.

This home is a rare blend of 1930s charm and modern convenience, elevated by the kind of views that stop you in your tracks—and linger in your memory. Whether you’re entertaining, unwinding, or simply enjoying the changing light throughout the day, this home delivers a lifestyle that’s both elevated and effortless.

 

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About the Neighborhood

MERCED HEIGHTS

 

Merced Heights is one of San Francisco’s best under-the-radar neighborhoods—where laid-back residential charm meets seriously convenient city access. Perched just above the action in southwest SF, it offers a rare mix of peaceful streets, green space, and proximity to everything that matters.

Minutes away, Stonestown Galleria delivers a one-stop lifestyle destination—with Whole Foods, Trader Joe’s, Target, Shake Shack, Regal Cinemas, a gym, and one of the city’s best Sunday farmers’ markets all at your fingertips. Whether you’re grabbing coffee, catching a movie, or doing a quick grocery run, it’s all just around the corner.

For outdoor enthusiasts, there’s no shortage of green space—from Merced Heights Playground and Aptos Park to Brooks Park’s hiking trails and the iconic Urbano Loop, a scenic mile-long pathway perfect for jogging, biking, or that peaceful golden-hour stroll.

Culture and community shine here too, with nearby Merced and Oceanview libraries, neighborhood events, and friendly local energy. And when it’s time to get moving, you’re incredibly well connected: the 29 MUNI bus is a block away, the M-line is close by, and Balboa Park and Daly City BART stations are just minutes from home. Need to hit the road? I-280 is nearby, and SFO is only 13 minutes away—ideal for both daily commutes and weekend getaways.

Whether you’re into quiet neighborhood vibes, big park energy, or easy access to all the city essentials, Merced Heights delivers an effortlessly cool lifestyle with room to breathe.

 

The Neighborhood

OPEN HOUSE

Sunday, 5/11   2 – 4 PM

BROKER TOUR

Tuesday, 5/13   1 – 3 PM

 

Please contact us at 430gGarfieldSt@ruthkrishnan.com for showing instructions.
Full disclosure package available, including pest and home inspections.

 

The Krishnan Team
415.735.5867
info@ruthkrishnan.com

"I can't recommend Ruth and her team for buying in SF highly enough.


I often joke that Ruth is the Queen of San Francisco real estate. The truth is, she's more earned the title. She brings decades of SF real estate experience, unmatched market knowledge, and a design background that proved invaluable during walkthroughs and comps pointing out details I missed. Moreover, she is universally respected among SF agents. Every time I mentioned at an open that I was working with Ruth, the other agent's response was always some version of: "I love Ruth—she's incredible..." or "Oh wow, you're working with Ruth?!" That's the kind of agent you want advocating on your behalf on offer day.


But Ruth is truly the Queen because she combines being consistently exceptional with being a caring, genuine, and fun person. She takes the time to learn not just what you are looking for in a home, but who you as a person. Because of that, her advice was always grounded in what was actually important to me, even when I could not articulate it myself. She talked me down from listings that weren't right for me (even at the expense of a higher commission) and helped me with unmatched patience, a fierce determination, and lots of laughter to find the perfect home for me. And when we found my perfect home, she had the expertise and know how to guide me during every step of the process to secure it ahead of other offers.


The San Francisco market is incredibly competitive. You need someone smart, strategic, responsive, and deeply connected. Someone who knows the nuances of each neighborhood and the personality of the agent sitting across the table. But just as importantly, you need someone you love working with, who makes it her mission to practice happy real estate for herself and her clients. Ruth does both beautifully; I couldn't imagine buying with anyone else here.


Thank you so much Ruth and Maddy!"

S.W., Buyer

"I am writing to wholeheartedly recommend Yesenia Beatriz of the Krishnan Real Estate Team. A few weeks ago, Yesenia successfully sold my home in San Francisco under extraordinary circumstances that exceeded every expectation I had for the process.


From the moment I engaged the Krishnan Team, their "turn-key" service set them apart from every other agent I interviewed. Unlike traditional agents who leave homeowners to manage repairs and preparations themselves, the team has an in-house network of trusted contractors and vendors. Under Yesenia’s direction, they completed targeted upgrades on my property that enhanced its appeal without unnecessary delays or hassle. This seamless coordination was an exceptional advantage and directly contributed to the outstanding results we achieved.


Yesenia and the team brought my home to market on an impressively quick timeline, perfectly positioning us to capitalize on current market conditions. The marketing, staging, and professional photography were first-class in every respect — sophisticated, high-quality, and far superior to anything I had seen from other agents. The listing presentation, copywriting, and overall visual impact made my property stand out immediately.


The results spoke for themselves: my condominium home received three competing offers right at the first open house. Yesenia’s sharp negotiation strategies secured the highest offer, and the transaction proceeded with a strong cash buyer who closed escrow in just one week. The entire process ran with remarkable efficiency and smoothness, from start to finish.


What truly impressed me was Yesenia’s personal involvement and professionalism. Despite the size and strength of the Krishnan Team, I never felt passed off to an inexperienced assistant — Yesenia was my consistent point of contact and clearly a seasoned professional who thought on her feet and navigated every detail with expertise. I always felt genuinely cared for, and it was evident that she consistently placed my interests above all else. Her integrity, calm demeanor, and ability to ease the natural stress of selling a home made the experience far more pleasant than I anticipated.


Having worked with other agents in the past, I can confidently say the difference was night and day. The Krishnan Team’s design background proved to be a significant asset, informing thoughtful upgrades and staging decisions that added real value. The entire team operated with the highest level of coordination and support, making me feel supported every step of the way.


In short, Yesenia Beatriz and the Krishnan Team delivered an exceptional experience that not only met but significantly exceeded my expectations. I received outstanding service, achieved a strong financial outcome, and felt completely confident throughout the process. I recommend Yesenia without hesitation to anyone looking to sell (or buy) a home in the competitive San Francisco market."

D.P., Seller

"We had an exceptional experience working with Valerie to buy our home in San Francisco.


Before meeting Valerie, we interviewed several agents, and what immediately stood out about her was how thoughtful, detail-oriented, and strategic she was. As people in tech, we naturally gravitate toward clear reasoning and concrete guidance over vague optimism, and Valerie consistently delivered exactly that. Every time we asked her what she realistically thought a house would sell for or what a competitive offer strategy should look like, she came prepared with actual market reasoning, comps, and a clear point of view. More importantly, she was usually right, even when her estimates initially sounded unbelievable to us. That accuracy built a huge amount of trust over time.


One of Valerie’s biggest strengths is her ability to problem-solve creatively in competitive situations. There were a couple of homes where we knew our terms alone might not be the strongest, and instead of treating the process like a formula, she really collaborated with us to come up with thoughtful, situation-specific strategies. The house we ultimately purchased was one of those situations — she helped us structure a compelling preemptive offer and navigate the dynamics with the listing agent in a way that ultimately helped us win. Throughout the process, it always felt like she was thinking several steps ahead.


What we appreciated just as much was that she genuinely cared about helping us make good long-term decisions, not just helping us buy a house emotionally. While she absolutely respected what we were drawn to emotionally, she was also very good at grounding us in the more objective questions we should be asking: Would this home resell well? Which compromises are actually meaningful long term versus easily solvable? How should we think about the value of space, layout, location, or future flexibility? We learned an enormous amount during this process simply because Valerie took the time to educate us along the way.


Her design background was also surprisingly valuable during tours. She has an excellent eye for detail and repeatedly pointed out things we would have completely missed, both positive and negative.


Another thing we appreciated: despite leading a large and busy team, we never felt handed off or deprioritized. Valerie herself was consistently present — on tours, late-night disclosure reviews, strategy calls, texts, and negotiations. Even when we made last-minute requests or wanted to squeeze additional homes into a tour schedule, she always made us feel supported rather than like a burden.


Buying a house in San Francisco can be overwhelming, but Valerie made the process feel organized, efficient, and surprisingly smooth. We honestly can’t imagine having gone through this process with anyone else, and we would recommend her without hesitation."

S.N., Buyer

"We had an incredible experience working with Lauren and can’t recommend her highly enough. From our very first conversation, she was thoughtful, strategic, and deeply invested in helping us navigate the market with confidence.


What stood out immediately was how much she prioritized education. Lauren walked us through past sales and comps in a way that really helped us get our heads around the market dynamics, which made us feel far more informed when it came time to make decisions. Instead of rushing us, she asked great questions and guided us through exercises that clarified what we really wanted and how to approach the process.


Thanks to her strategy and preparation, we were able to go from start to finish in just one week and win a competitive offer without having to write multiple offers. Her ability to analyze comps, craft the right offer strategy, and move quickly made all the difference.


Throughout the entire process, Lauren was incredibly thorough in reviewing documents, proactive in communication, and extremely organized. Everything felt smooth and efficient, which made what could have been a stressful experience feel surprisingly manageable.


Most importantly, we always felt like Lauren truly had our best interests at heart. She showed a high level of integrity and professionalism, and we never once felt pressured, only supported.


If you’re looking for a realtor who is strategic, knowledgeable, responsive, and genuinely cares about her clients, Lauren is exceptional. We’re so grateful to have worked with her."

P.L., Buyer

"I worked with Yesenia and her team to sell my condo, and the experience was stellar from beginning to end. I have total confidence in everyone involved in the sale.


From the very first meeting Yesenia demonstrated exceptional knowledge of the local market and quickly provided a clear, comprehensive strategic plan. She positioned my sale to broadly appeal to potential buyers. She enthusiastically appreciated the finishes and details of my fully renovated space, its beautiful and desirable location, and what a special place it is. She effectively used her expertise and communication skills to create a high-quality marketing plan that included gorgeous photos, a well-organized and attractive website, and compelling marketing copywriting.


Yesenia is thoughtful, strategic, communicative, well organized, and very responsive. I heavily relied on her and her team’s outstanding skills to seamlessly coordinate inspections, viewings, paperwork and vendors. While Yesenia is outstanding at what she does, her team also kept me informed at every step, handling all the logistics efficiently. They were always professional and extremely responsive, even on weekends. The entire team was highly knowledgeable and competent. I essentially handed over the keys and they took care of everything. Working with them was a complete pleasure. They truly went above and beyond!


Yesenia has excellent problem-solving skills. She helped me navigate a tough situation with a repair. She listened, coached, and encouraged me to rethink what I had planned to do. She suggested an easier, less costly solution. Her advice was spot on, and I so appreciate how she skillfully guided me to a better solution.


Selling a home is inherently stressful. Yesenia was masterful in easing my stress whenever possible. She was invariably calm, positive, and reassuring.


Yesenia has consummate negotiating skills. I couldn’t be more pleased with the amazing outcome we achieved, 40% over asking! It doesn’t get better than that. I highly recommend Yesenia and her team without reservation."

S.L., Seller

We worked with Ruth to sell our house and had an outstanding experience. From the start, she and her team moved quickly while maintaining a very high bar for quality.


We had a tight timeline, and Ruth coordinated inspections, photography, marketing, and private showings seamlessly and efficiently. Her strategic guidance and negotiation skills helped us achieve a strong outcome we were very happy with.


The marketing was polished and thoughtful, and she positioned our home perfectly for the right buyers. Throughout the process, Ruth kept us informed, calm, and confident, and was always available when we had questions.


We trusted her completely with a major financial decision and could not be happier with the result. If we were to sell again, Ruth would be our first call.

K.C.T., Seller

We had an outstanding experience working with Lauren on our home purchase in San Francisco. From the very beginning, she brought a rare combination of analytical rigor and strategic thinking that helped us navigate a competitive market with confidence. She took the time to educate us about how the SF market really works, helping us get our heads around pricing, timing, and negotiation strategy so we could make informed decisions.


When the right property came along, Lauren was instrumental in helping us secure it in a competitive situation. Her guidance on positioning our offer and negotiating terms was spot on. Remarkably, it was only our second offer and our first with Lauren and we got the home, which is something we credit in large part to the partnership with Lauren.


Beyond the strategy, Lauren was simply wonderful to work with. She was incredibly responsive, always quick to answer questions or jump on a call, and we consistently felt that she had our best interests front and center. Throughout the process we felt genuinely cared for, never rushed, and always well advised.


The transaction itself was extremely smooth and efficient. Lauren managed every step with professionalism and deep knowledge of the process, and she served as an excellent point of contact who kept everything moving forward without stress.


It’s also clear that she is well known and respected among her peers. We felt we were in great hands from start to finish and truly couldn’t have asked for a better partner in the process. We would recommend her without hesitation."

D.M, Buyer

I truly can’t recommend Valerie and the Krishnan Team enough - Valerie is truly one of the most talented and dedicated buyer’s agents in SF and this team is professional to the tee. She’s INCREDIBLY knowledgeable, responsive, detail oriented, and genuinely cares about her clients.


From the get go, Valerie took the time to educate us on the current SF market and how to navigate it strategically. That early guidance was invaluable - it gave us clarity, confidence, and a strong foundation as we started our search. She consistently kept an eye out for listings that matched our needs, kept us informed in real time, and helped us pivot quickly when needed in this insanely competitive market. If Valerie had a conflict for any showings I asked about, the team worked insanely fast to ensure that I had another talented and knowledgeable member of their team attend with us so we were never without care.


When we found the right spot, Valerie moved unbelievably fast. Within 24 (!!!) hours, she guided us through everything - from evaluating the price, to carefully reviewing disclosures and paperwork, no stone unturned with the utmost professionalism. Her attention to detail and sense of urgency made all the difference. We truly believe we wouldn’t have secured our home without her - she helped us submit a strong, competitive offer ahead of other buyers, all in a single offer. You’ll see in other reviews, but they seriously don’t mess around - they work with sellers agents really well and truly get it done in very few offers.


What also stands out just as much was that we never once felt pressured or rushed. Valerie always prioritized our best interests and made sure we felt confident in every decision we made.


Honestly, the entire transaction process was seamless. Valerie walked us through every single step - from who to contact, when to do things, and how everything worked - making what could have been a stressful experience feel smooth and manageable. She handled everything with professionalism and care, and we always felt supported.


Valerie goes above and beyond in every sense, and we are incredibly grateful to have worked with her. Truly cannot recommend anyone more in SF as a buyer, you’ll be in great hands if you get to work with her!

R.H., Buyer

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