Savoring the moments (and a Notre Dame graduation) 🎓

NOTRE DAME 2026

Last week I watched Zoë walk across a stage at the University of Notre Dame to receive her degree. There is something about a graduation: the cap, the gown, the sea of proud faces, that compresses time in a way not much else does. I could see, all at once, the baby I dropped off at daycare for the first time, tears streaming down my face, and the young woman who is now her own person, making her own decisions. It is one of those moments that makes you think: how did we get here so fast?

THREE GENERATIONS, ONE MOMENT What made it even more special was that her grandmother was there to see it. At 91 years old, she made the trip. Three generations, one day, one moment none of us will forget. And then my thoughts drifted somewhere bittersweet. I only have one child. Sitting there, I found myself realizing that I may not be here for future graduations in our family, so saviour every moment. A FRONT ROW SEAT TO LIFE'S MILESTONES In my work, I have the rare privilege of walking alongside people through the full arc of their lives. Young couples buying their first home together. A few years later, helping them find something bigger when the family grows. I watch clients downsize when the kids have left, or they've grown apart. And sometimes, I am there at the very end of the road, helping a family settle an estate, close a final chapter. I still have birthdays on my calendar for clients who have passed. Wedding anniversaries for couples who divorced. Closing anniversaries for people who are no longer here. When those dates come around, I think about them. They trusted me with one of the biggest decisions of their lives, and that means a lot. What this work has given me, more than anything else, is a front-row seat to the full range of what it means to be human: the biggest joys, the first home, the growing family, the fresh start, and the deepest sorrows. Zoë's graduation reminded me, in the best possible way, that life is not just a series of transactions or transitions. It is a collection of moments, some planned, many unexpected, all of them worth showing up for. Cheers, Maggie

Compass is a real estate broker licensed by the State of California operating under multiple entities. License Numbers 01991628, 01527235, 01527365. All material is intended for informational purposes only and is compiled from sources deemed reliable but is subject to errors, omissions, changes in price, condition, sale, or withdrawal without notice. No statement is made as to the accuracy of any description or measurements (including square footage). This is not intended to solicit property already listed. No financial or legal advice provided. Equal Housing Opportunity. Photos may be virtually staged or digitally enhanced and may not reflect actual property conditions.

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Maggie's Market Minute: The Headlines Are Hot — But the Reality Is Split

Maggie's Market Minute April 2026

Between the spring sunshine and the April showers, it's been a lively start to the season. Yesterday I escaped my routine for the Compass NorCal Top Producers event — a day of connecting with agents from across the region and soaking up what's new in real estate. A good reminder that stepping away, even briefly, is one of the best ways to come back sharper.

the scoop

A TALE OF TWO MARKETS Everywhere you look, the news is buzzing about San Francisco’s “red-hot” housing market. But beneath the bold headlines, two very different stories are unfolding. One end of the market is roaring ahead; the other is still catching its breath. The High-End Sizzles Homes above $3M continue to move quickly — often with all-cash offers. AI & IPOs Driving Demand: The city’s role at the epicenter of the AI boom is translating into buying power that have ignited bidding wars in top-tier neighborhoods like Pacific Heights and Noe Valley across all housing types (house/condo/tic/duplex). The Middle Market Hit Pause Interest Rate Reversal: Mortgage rates dipped below 6% early in the year but have since climbed back to around 6.25%, cooling enthusiasm among mid-tier buyers. Buyer Hesitation: While demand exists, higher monthly payments are causing price sensitivity and extended days on market. Notable Exception: Single-family homes in established neighborhoods like the Richmond, Sunset and Bernal are bucking the trend, with tight supply and steady demand keeping prices robust even as the broader mid-market cools. The Spring Outlook The top end of the market looks poised to stay strong, buoyed by cash-rich tech buyers. The middle market may lag until rates stabilize — but limited inventory will keep prices from sliding dramatically. Overall, it’s shaping up to be a spring defined not by one market narrative, but by two: one thriving, one waiting. If you are curious about what this means for your home's value, or if you're thinking of making a move, just reply to this email.

FEATURED SALES

ON MARKET 1310 Minnesota St #102 dogpatch ON MARKET 821 Folsom St #412 YERBA BUENA ON MARKET 270 Valencia St #504 MISSION DOLORES SOLD 4458 24th St Noe Valley SOLD 25 Sierra St #605 POTRERO HILL SOLD 1500 Francisco St #5 MARINA

If you, or someone you know, are looking to move to what's next, let me know. I can help. Cheers, Maggie

Compass is a real estate broker licensed by the State of California operating under multiple entities. License Numbers 01991628, 01527235, 01527365. All material is intended for informational purposes only and is compiled from sources deemed reliable but is subject to errors, omissions, changes in price, condition, sale, or withdrawal without notice. No statement is made as to the accuracy of any description or measurements (including square footage). This is not intended to solicit property already listed. No financial or legal advice provided. Equal Housing Opportunity. Photos may be virtually staged or digitally enhanced and may not reflect actual property conditions.

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Maggie's Market Minute: The Biggest Home Sales of the Year

A note from Maggie It’s that time of year when gatherings, celebrations, and holiday cheer fill the calendar. Compass hosted our annual holiday party at Local Edition on Market Street, and the Roaring ’20s theme was an absolute hit. Last night, I took in the dazzling lights of Let’s Glow SF—it was the perfect reminder of how magical this season feels. Maybe it’s the spirit of the season, or maybe it’s a reflection of renewed optimism - the energy Downtown is glowing again. Here’s to carrying that feeling of hope, connection, and celebration into the year ahead! Luxury Sales San Francisco’s luxury market has quietly but clearly picked up momentum, with qualified buyers returning and well-presented properties drawing strong interest. October was a standout month, recording the highest number of luxury sales since 2021—a sign that confidence at the top end of the market is back with a bang! Full Report

SF's Biggest House Sales of The Year No surprise here — Pacific Heights claimed half of the top ten house sales this year! Click images for details. SF's Biggest Condo Sales of The Year The top 4 biggest condo sales were in Pacific Heights, but Downtown took the spotlight with 5 of the top 10 luxury condo sales. Click images for details.

Featured Transactions

325 Berry St #325 Mission Bay 1BD 1BA 1PKG 882 SQFT $840K Sold Outer Mission Coming Soon Are you, or someone you know, ready to move to what's next? Let me know - I can help! Cheers, Maggie

Visit my Website

Compass is a real estate broker licensed by the State of California operating under multiple entities. License Numbers 01991628, 01527235, 01527365. All material is intended for informational purposes only and is compiled from sources deemed reliable but is subject to errors, omissions, changes in price, condition, sale, or withdrawal without notice. No statement is made as to the accuracy of any description or measurements (including square footage). This is not intended to solicit property already listed. No financial or legal advice provided. Equal Housing Opportunity. Photos may be virtually staged or digitally enhanced and may not reflect actual property conditions.

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What Happens When Permits Are Missing? A Westside Listing’s Wild Ride

Nosy neighbors & unpermitted work. What could go wrong?

In San Francisco, permits have always been a pain—slow, costly, and confusing. So it's no surprise some homeowners skip the red tape and do work "under the radar." For years, unpermitted work was just a hurdle we worked around. But lately? That’s changing.

The Scoop

What’s Happening Now Complaints about unpermitted work are on the rise—often coming from neighbors, disappointed buyers, or agents who lost a listing. Even minor issues, like loud prep work, can trigger reports. These complaints sometimes surface after a sale, creating costly problems for both buyers and sellers. While it's happening citywide, it's more common on the west side of the city. Why This Matters City inspections can delay your sale, lead to fines, and stall momentum. Even once resolved, extended time on market can reduce buyer interest and final sale price. A Westside Story (not my listing) A freshly updated westside home hit the market in late April—with unpermitted kitchen and bathroom work, and lower-level rooms marketed as bedrooms. Interest was high: 100+ disclosure packages went out and 12 buyers were ready to write. Then came the twist: a Dept of Building Inspection complaint was filed during the first open house. Open house signs were vandalized. DBI showed up unannounced, but wasn’t let in. A formal inspection followed soon after. The seller dropped the price by nearly $100K. After 6 weeks on the market, the listing was put on hold while permits were secured. Updates included legalizing the kitchen and bath remodels, permitting the lower level as storage, and converting the full bath to a half bath with laundry. The property was never re-listed. All showings were private, limited to buyers who had previously toured and requested disclosures. Offers were reviewed nearly 2 months after it launched —with contingencies tied to City sign-off. A rollercoaster two months of delays, costs, and headaches for sellers and most likely a big discount on the final sales price. What Sellers Can Do Always keep good relations with your neighbors - many complaints are triggered by neighbor disputes. If you’ve done any work without permits, let your agent know early so they can help you create a strategy. Be mindful during property prep. Keep noise, including music, to a minimum and avoid drawing attention and offending neighbors. Avoid photographing unpermitted additions and updates. Ask the listing agent to take down photos and floorplans before the home closes to limit digital footprints that might trigger future scrutiny. Dealing with unpermitted work can be tricky, but staying upfront, keeping the neighbors happy, and planning ahead can help you avoid headaches and keep your sale on track.

Featured Transactions

1033 Jones St Downtown 3 BD 2 BA 1,875 SQFT Sold 2405 23rd St Inner Mission 2 BD 2 BA 1,365 SQFT Sold

Pacific Heights Condo 3 BD 2 BA Coming Soon

Are you, or someone you know, ready to move? Let me know - I can help! Cheers, Maggie

MAGGIE VISSER Top 1.5% of Agents Nationwide Top 3% of SF Agents (MLS) DRE 01925742 415.793.3470 maggie@maggievisser.com

Compass is a real estate broker licensed by the State of California operating under multiple entities. License Numbers 01991628, 1527235, 1527365, 1356742, 1443761, 1997075, 1935359, 1961027, 1842987, 1869607, 1866771, 1527205, 1079009, 1272467. All material is intended for informational purposes only and is compiled from sources deemed reliable but is subject to errors, omissions, changes in price, condition, sale, or withdrawal without notice. No statement is made as to the accuracy of any description or measurements (including square footage). This is not intended to solicit property already listed. No financial or legal advice provided. Equal Housing Opportunity. Photos may be virtually staged or digitally enhanced and may not reflect actual property conditions.

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Maggie's Market Minute: SF Houses Stay Hot as Bay Area Markets Cool

SF Houses Stay Hot as Bay Area Markets Cool

In April, as much of the Bay Area struggled with rising uncertainty—both in the housing market and on the broader political and economic fronts—San Francisco stood out for its relative stability. The single-family home market, in particular, continued to attract strong buyer interest, while the condo sector remained soft, with weaker demand and declining prices. A Market of Contrasts Across the city, the market has become increasingly uneven. Some homes are flying off the market with multiple offers well over asking, while others—despite appearing similar in price, condition, and location—are receiving little to no attention. Luxury Segment Defies the Uncertainty Amid the broader turbulence, the luxury segment continues to outperform. Sales of homes priced at $5M+ rose 24% year over year, reflecting sustained demand and strong buyer confidence at the high end of the market.

The Scoop

Inventory and Sales Activity (April 2024 vs. April 2025) Inventory: Up 9% year over year — a modest increase compared to other Bay Area counties where inventory has spiked (some up 70% year over year) Listings under contract: Saw a slight uptick Closed sales: Declined slightly Price reductions: Held steady, unlike the sharp increases seen elsewhere in the Bay Area Home Prices (April 2024 vs. April 2025) Median house prices: Flat Median condo prices: Declined Despite Economic Concerns, Buyer Demand is Strong for: Move-in-ready homes Well-priced properties Prime locations READ MORE

Featured Transactions

871-873 Alvarado St Noe Valley 4 BD 3 BA 2,055 SQFT $2,450,000 Buyer Represented 11 Divisadero St Buena Vista 2 BD 1 BA 1,109 SQFT $1,340,625 Sold 1033 Jones St Downtown 3 BD 2 BA 1,875 SQFT Pending 241-243 Missouri St Potero Hill 6 BD 4 BA 2,604 SQFT $2,156,000 Buyer Represented 231 Clinton Park Mission Dolores 2 BD 1 BA 1,290 SQFT $1,225,000 Sold 2405 23rd St Inner Mission 2 BD 2 BA 1,365 SQFT Pending

Are you, or someone you know, ready to move? Let me know - I can help! Cheers, Maggie

MAGGIE VISSER Top 1.5% of Agents Nationwide Top 3% of SF Agents (MLS) DRE 01925742 415.793.3470 maggie@maggievisser.com

Compass is a real estate broker licensed by the State of California operating under multiple entities. License Numbers 01991628, 1527235, 1527365, 1356742, 1443761, 1997075, 1935359, 1961027, 1842987, 1869607, 1866771, 1527205, 1079009, 1272467. All material is intended for informational purposes only and is compiled from sources deemed reliable but is subject to errors, omissions, changes in price, condition, sale, or withdrawal without notice. No statement is made as to the accuracy of any description or measurements (including square footage). This is not intended to solicit property already listed. No financial or legal advice provided. Equal Housing Opportunity. Photos may be virtually staged or digitally enhanced and may not reflect actual property conditions.

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Maggie's Market Minute: SF's Shifting Dynamics at the Start of the Spring Selling Season

Shifting Supply Dynamics Almost every real estate market in the Bay Area has seen significant increases in active and coming-soon listings since the start of the year — a notable shift in supply dynamics. However, San Francisco remains an outlier, with inventory levels staying relatively flat. A Market of Contrasts The current real estate market in SF is a mixed bag: fierce competition for single-family homes, while the market for multi-families and condos/co-ops are soft. Single-family homes make up only 26.5% of listings but represent 48% of sold units, highlighting their high demand. In contrast, condos and co-ops account for 73% of listings but only 44% of sales. Single-Family Homes: Competitive and Climbing Some neighborhoods are experiencing wild overbidding due to very low single-family home supply. In fact, it’s not unusual to find 8-10 competing bids, and a couple of homes have sold for $1M above the asking price and all cash offers. If you’re a single-family home buyer eyeing top neighborhood, the appreciation potential is undeniable. Even in a market where interest rates remain north of 6.5% and the stock market is in the red year-to-date, we’re seeing bidding wars and remarkable price jumps. Imagine what's to come in more favorable economic conditions and mortage rates. Condos: A Buyer’s Market On the flip side, condo buyers have a unique advantage right now. With less competition, there are opportunities to purchase below market value while enjoying the luxury of being more discerning. The median sale price for condos across San Francisco County dipped to $1,010,000 — the lowest point since September 2015 and a full 23% below the high of $1,300,000 reached in June 2022. That said, luxury condo and co-op sales experienced a significant jump in the first two months of 2025 (up 60% year-over-year), signaling renewed interest in high-end urban living. What Does This Mean for You? This unique market presents different opportunities depending on your goals. For buyers, condos present a chance to purchase below market value. Sellers, particularly those with single-family homes, can capitalize on intense demand and limited supply. According to Robert Reffkin, CEO of Compass, San Francisco is “the most underrated market in America” and primed for the biggest rebound in the next five years. If you're looking to invest—or simply make a smart move before the market shifts—now is the time to explore your options.

Click Here for a Detailed Market Report

Recent Sales, Listing and Upcoming Listing in 2025

231 Clinton Park 82 Arroyo Way 1800 Turk St #103 Nob Hill Condo 1562 Cayuga Ave 1730 22nd Ave

Are you, or someone you know, ready to move? Let me know - I can help! Cheers, Maggie

Compass is a real estate broker licensed by the State of California operating under multiple entities. License Numbers 01991628, 1527235, 1527365, 1356742, 1443761, 1997075, 1935359, 1961027, 1842987, 1869607, 1866771, 1527205, 1079009, 1272467. All material is intended for informational purposes only and is compiled from sources deemed reliable but is subject to errors, omissions, changes in price, condition, sale, or withdrawal without notice. No statement is made as to the accuracy of any description or measurements (including square footage). This is not intended to solicit property already listed. No financial or legal advice provided. Equal Housing Opportunity. Photos may be virtually staged or digitally enhanced and may not reflect actual property conditions.

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My Heart’s A-Flutter… With Mortgage Rates? (A Valentine’s Day Real Estate Rhapsody)

Valentine’s Day. That special day of year when everyone’s all pressured to find “the one.” But let’s be real, finding a soulmate is hard. You swipe, you date, you endure awkward silences over overpriced appetizers, and sometimes, you just end up with a cat. (No offense to cat lovers, they’re just not great conversationalists). But guess what else is hard? Finding the perfect home! The two processes have more in common than you think. The Dating/Home-Buying Parallels Are Real: Curb Appeal/Profile Picture: That charming facade is the house’s profile pic. Is it enticing? Hopefully! Just like those dating app photos with suspiciously good lighting. First Date/First Open House: Butterflies! Will it live up to the hype? Will you spot any red flags? The “Talk”/The Inspection: Time to get serious. What are the flaws? Can you live with them? The Commitment/The Mortgage: This is it. You’re signing on the dotted line. A long-term relationship… with a financial institution. Hope you like commitment! Moving In Together/Moving In: Time to merge your belongings and discover who owns more Warriors memorabilia. Whether you’re searching for a life partner or a dream home (or both!), remember to: Know What You Want: A fixer-upper or move-in ready? Define your must-haves! Don’t Settle Too Much: A little compromise is okay, but don’t ignore glaring issues just because the view is amazing or they have a great smile. Trust Your Gut: That weird feeling you get when you’re together? Listen to it. Same goes for that house. Have Fun! The journey can be stressful, but try to enjoy the ride. So this Valentine’s Day, whether you’re cuddling up with a loved one, a dog, or just a pizza, remember that the perfect match is out there… somewhere. And if you’re looking for a house to share it with, you know who to call! Happy Valentine’s Day!

Compass is a real estate broker licensed by the State of California operating under multiple entities. License Numbers 01991628, 1527235, 1527365, 1356742, 1443761, 1997075, 1935359, 1961027, 1842987, 1869607, 1866771, 1527205, 1079009, 1272467. All material is intended for informational purposes only and is compiled from sources deemed reliable but is subject to errors, omissions, changes in price, condition, sale, or withdrawal without notice. No statement is made as to the accuracy of any description or measurements (including square footage). This is not intended to solicit property already listed. No financial or legal advice provided. Equal Housing Opportunity. Photos may be virtually staged or digitally enhanced and may not reflect actual property conditions.

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How Well Do You Know SF Real Estate? Take the quiz.

I know we're well into 2025, but I hope this message finds you sticking to your resolutions and full of optimism. As we settle into the the new year, I thought it would be fun to test your knowledge with a quick quiz that highlights some of the real estate market's most interesting trends for 2024.

1. How many new listings came on the market in 2024? A) 6,610 B) 8,882 C) 7,281 D) 9,807 E) 8,178 2. What was the yearly appreciation for a HOUSE in 2024 compared to 2023? A) 2% B) 7% C) -1% D) 4% E) 5% 3. Which neighborhood had the highest median CONDO sales price? A) Presidio Heights B) Noe Valley C) Pacific Heights D) Cow Hollow E) Russian Hill 4. What percentage of home sales in 2024 were under $1M? A) 21% B) 14% C) 5% D) 29% E) 27% 5. What was the percentage of HOUSE (H) vs CONDO (C) sales in 2024? A) 25% (H) / 68% (C) B) 48% (H) / 44% (C) C) 44% (H) / 48% (C) D) 33% (H) / 59% (C) E) 43% (H) / 43% (C) 6. What was the price of the most expensive CONDO/COOP sold in 2024? A) $7.25M B) $9.25M C) $16M D) $8.5M E) $7.6M 7. What was the price of the most expensive HOUSE sold in 2024? A) $71M B) $22M C) $29M D) $26M E) $24M 8. Which neighborhood had the highest median HOUSE sales price in 2024? A) Pacific Heights B) St. Francis Wood C) Presidio Heights D) Sea Cliff E) Cow Hollow How did you do? Check your answers below OR click this link to view the full report. ANSWERS: 8A, 7A, 6C, 5B, 4E, 3D, 2D, 1A I want to take a moment to say thanks to everyone who supported me throughout 2024. To my clients and those who referred clients to me – thank you from the bottom of my heart! Are you, or someone you know, ready to move? Let me know - I can help! Cheers, Maggie

Compass is a real estate broker licensed by the State of California operating under multiple entities. License Numbers 01991628, 1527235, 1527365, 1356742, 1443761, 1997075, 1935359, 1961027, 1842987, 1869607, 1866771, 1527205, 1079009, 1272467. All material is intended for informational purposes only and is compiled from sources deemed reliable but is subject to errors, omissions, changes in price, condition, sale, or withdrawal without notice. No statement is made as to the accuracy of any description or measurements (including square footage). This is not intended to solicit property already listed. No financial or legal advice provided. Equal Housing Opportunity. Photos may be virtually staged or digitally enhanced and may not reflect actual property conditions.

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From Drab to Fab: An 8-Week Home Makeover Story

When it comes to real estate, first impressions are everything. Transforming a property can be the difference between sitting on the market vs selling for top dollar. Over the past 8 weeks, we took a tired property and gave it the ultimate makeover. Here’s how we went from drab to fab. Week 1: Cleared out the old to create a clean slate for transformation. Week 2: Fresh interior and exterior paint breathed new life into the home. Week 3: Sleek, durable flooring replaced worn-out surfaces for a modern look. Week 4: Bathrooms received a stylish upgrade with updated fixtures and tiles. Week 5: The kitchen received new quartz countertops and appliances. Week 6: A backyard cleanup and fence repair made the outdoor space inviting. Week 7: Thoughtful staging showcased the home’s full potential. Week 8: The home hit the market, ready to wow buyers with its glow-up. 239 Palisades Dr Every home has potential, it just takes the right steps to unlock it! Ready to transform your home into something extraordinary? Let's talk! Cheers, Maggie

Compass is a real estate broker licensed by the State of California operating under multiple entities. License Numbers 01991628, 1527235, 1527365, 1356742, 1443761, 1997075, 1935359, 1961027, 1842987, 1869607, 1866771, 1527205, 1079009, 1272467. All material is intended for informational purposes only and is compiled from sources deemed reliable but is subject to errors, omissions, changes in price, condition, sale, or withdrawal without notice. No statement is made as to the accuracy of any description or measurements (including square footage). This is not intended to solicit property already listed. No financial or legal advice provided. Equal Housing Opportunity. Photos may be virtually staged or digitally enhanced and may not reflect actual property conditions.

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Maggie's Market Minute: Luxury Market Surges & Seasonal Slowdown Starts

Luxury Market Comeback In October, median prices were up year-over-year—2% for houses and 5.5% for condos—while luxury home sales made a big comeback, with year-to-date sales up an impressive 48%. This surge in the luxury market could be tied to record-high stock markets, fueling demand among high-end buyers.

Surge in September Listings Drives Contracts and Boosts Buyer Competition A big jump in September listings helped push the number of homes going into contract to its highest point since 2022. The absorption rate hit a two-year high, with monthly sales volume up 19% and transactions increasing 11% compared to last year. In October, homes were selling faster, and overbidding became more common, showing that certain segments of the market were seeing strong buyer interest. Seasonal Slowdown Ahead: A Window for Savvy Buyers November and December typically bring a noticeable slowdown in the market, and we’re already seeing many buyers holding back, waiting for the right moment to make a move. Mortgage rates have surged despite the Fed lowering rates, creating a disconnect that may be causing buyers outside the luxury segment to pause their plans, leading to slower activity in more affordable price ranges. With buyer demand and new listings cooling during this season, we can expect more unsold properties to be pulled from the market. However, for those still actively looking, this quieter period can present excellent opportunities to negotiate and secure some of the best deals of the year. Are you, or someone you know, ready to move? Let me know - I can help! Cheers, Maggie

Compass is a real estate broker licensed by the State of California operating under multiple entities. License Numbers 01991628, 1527235, 1527365, 1356742, 1443761, 1997075, 1935359, 1961027, 1842987, 1869607, 1866771, 1527205, 1079009, 1272467. All material is intended for informational purposes only and is compiled from sources deemed reliable but is subject to errors, omissions, changes in price, condition, sale, or withdrawal without notice. No statement is made as to the accuracy of any description or measurements (including square footage). This is not intended to solicit property already listed. No financial or legal advice provided. Equal Housing Opportunity. Photos may be virtually staged or digitally enhanced and may not reflect actual property conditions.

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How My Clients Won Against a Higher Cash Offer

The Challenge of a Competitive Market Securing a home in a fiercely competitive market with multiple offers can feel nearly impossible. My clients recently faced just such a challenge: their offer, though strong, wasn’t the highest. There were 4 offers on the table, with the top one being a cash offer and a 7-day close. My clients had a solid down payment but needed 30 days to close. Turning the Tide Through Relationships However, determination and relationships made all the difference. I’ve known the listing agent for some time, and I was able to advocate for my clients, winning the agent's full support. This connection allowed me to sell my clients as the ideal buyers, despite their need for more time to close. A Strategic Adjustment for a Win-Win Outcome With quick decision-making and a slight adjustment to match the highest offer, we were able to compensate for the longer closing time. By sweetening the deal, both my clients and the sellers benefited: my clients secured their dream home, and the sellers got top dollar. More Than Just Numbers This experience highlights an important truth in real estate: success isn't just about the numbers—it's about relationships, decisiveness, teamwork, and going the extra mile. Are you, or someone you know, ready to move? Let me know - I can help! Cheers, Maggie

Compass is a real estate broker licensed by the State of California operating under multiple entities. License Numbers 01991628, 1527235, 1527365, 1356742, 1443761, 1997075, 1935359, 1961027, 1842987, 1869607, 1866771, 1527205, 1079009, 1272467. All material is intended for informational purposes only and is compiled from sources deemed reliable but is subject to errors, omissions, changes in price, condition, sale, or withdrawal without notice. No statement is made as to the accuracy of any description or measurements (including square footage). This is not intended to solicit property already listed. No financial or legal advice provided. Equal Housing Opportunity. Photos may be virtually staged or digitally enhanced and may not reflect actual property conditions.

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Olympic Parallels to Real Estate

As the Olympics wind down this weekend, I am feeling a mix of emotions for these incredible athletes. From the joy of victory to the agony of defeat, the Games are the ultimate test of skill, endurance, and determination. It reminds me a lot of the real estate market. Real Estate is a Competition The excitement and energy of the Games reflects the competitive nature of real estate, where bidding wars and success depend on preparation, timing, and navigating fierce competition. Preparation and Strategy Lead to Winning Just as athletes spend years training for a moment of peak performance, buyers and sellers must carefully plan when buying or selling a home. Well-prepared homes attract top offers, while prepared buyers win with quicker closes and fewer contingencies. Overcoming Real Estate Hurdles: The Power of Quick Decisions Like hurdles in a race, factors like the economy, market conditions, interest rates, and insurance can disrupt your real estate plans. Success often depends on making split-second decisions that determine whether you win or lose the deal. Resilience in the Face of Setbacks Just as athletes must rise from disappointment to continue pursuing victory, sellers and buyers must stay resilient through setbacks, with sellers remaining flexible and patient as market conditions change, and buyers adjusting their criteria while staying persistent in their pursuit of a dream home. Winning in Real Estate: A Gold Medal Approach Winning gold at the Olympics and success in real estate both take dedication, planning, and the ability to perform under pressure. In both fields, it’s not just about talent or luck—it’s about strategy, resilience, and being ready to seize the moment when it matters most. Are you, or someone you know, ready to be a winner? Let me know - I can help! Cheers, Maggie

Compass is a real estate broker licensed by the State of California operating under multiple entities. License Numbers 01991628, 1527235, 1527365, 1356742, 1443761, 1997075, 1935359, 1961027, 1842987, 1869607, 1866771, 1527205, 1079009, 1272467. All material is intended for informational purposes only and is compiled from sources deemed reliable but is subject to errors, omissions, changes in price, condition, sale, or withdrawal without notice. No statement is made as to the accuracy of any description or measurements (including square footage). This is not intended to solicit property already listed. No financial or legal advice provided. Equal Housing Opportunity. Photos may be virtually staged or digitally enhanced and may not reflect actual property conditions.

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Life is Unpredictable: Set Up a Trust (Regardless of your Age!)

It's never pleasant to think about the unthinkable—death and accidents. Alas, life is unpredictable.....just in the past year, two of my clients had freak accidents (one fatal) and a friend was diagnosed with stage 4 cancer. There's currently a condo for sale that belonged to a young woman who tragically lost her life due to domestic abuse. Death and accidents aren’t just a concern for older homeowners; it can affect anyone at any age. Probate, a lengthy and costly court process, decides what happens to your assets after you die or become incapacitated. Even if you have a will, your estate will go through probate upon your death unless your home is titled with the right of survivorship. Shockingly, $2 billion is spent every year on probate attorney fees alone! To protect your assets, you may want to consider holding your home in a trust. Why Set Up a Trust? Avoid Probate: Probate can be long and expensive. With a trust, your property skips probate, making things quicker and easier for your beneficiaries, saving them time, stress, and money. Protect Your Stuff: Trusts can keep your assets safe from creditors. Control Distribution: You can make sure your assets go exactly where you want, following your specific wishes. Provide for Minor Children: Trusts can protect beneficiaries who might not be able to handle their inheritance, like young children, those with disabilities, or those at risk of financial mismanagement. Keep Things Private: Probate is public, so anyone can see the details of your estate. Trusts are private, keeping your financial matters confidential. Manage Property Continuously: If you can't manage your property due to an accident or illness, a trust ensures your property is managed according to your wishes without needing court involvement. Reduce Estate Taxes: Some types of trusts can help you cut down on estate taxes, keeping more of your money for your beneficiaries. Putting your home in a trust can give you and yours peace of mind, no matter what happens. If you have any questions or need help setting up a trust, feel free to reach out and I can connect you. Are you, or someone you know, ready to move? Let me know - I can help! Cheers, Maggie

Compass is a real estate broker licensed by the State of California operating under multiple entities. License Numbers 01991628, 1527235, 1527365, 1356742, 1443761, 1997075, 1935359, 1961027, 1842987, 1869607, 1866771, 1527205, 1079009, 1272467. All material is intended for informational purposes only and is compiled from sources deemed reliable but is subject to errors, omissions, changes in price, condition, sale, or withdrawal without notice. No statement is made as to the accuracy of any description or measurements (including square footage). This is not intended to solicit property already listed. No financial or legal advice provided. Equal Housing Opportunity. Photos may be virtually staged or digitally enhanced and may not reflect actual property conditions.

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Maggie's Market Minute: Q2 May See the Hottest Market since the Pandemic Boom

With the first quarter of the year behind us, the real estate market has seen some big changes in supply and demand. This shake-up has brought about fierce competition and a flurry of activity in the market, pushing significant home price increases spanning from starter homes in hot neighborhoods, to luxury properties in every price bracket, as well as chic condos ticking all the boxes and well-priced listings in desirable neighborhoods. Driving Forces The surge in buyer interest has been boosted by stable interest rates holding steady around the mid-6% range and optimism driven by anticipated rate decreases. Plus, the stock market's performance, especially indices like the S&P and Nasdaq, are adding fuel to the real estate fire. Consumer confidence is also riding high, hitting its peak in almost three years, even though inflation rates are above the Fed's 2% target. New Opportunities Despite the overall surge in buyer activity, certain market segments still provide excellent opportunities where buyers have significant leverage. One interesting trend worth noting is the rising value opportunities in downtown markets. Recent data shows a stark contrast in condo appreciation rates between downtown areas and other parts of the city, with downtown neighborhoods enjoying a robust 7% year-over-year increase in median sales prices, compared to 3.5% in other neighborhoods. Outlook for Q2 Considering current trends and market conditions, it's highly probable that significant home price increases will persist into the second quarter of 2024. Click Here for a Complete Market Report

Are you, or someone you know, ready to move? Let me know - I can help! Cheers, Maggie

Compass is a real estate broker licensed by the State of California operating under multiple entities. License Numbers 01991628, 1527235, 1527365, 1356742, 1443761, 1997075, 1935359, 1961027, 1842987, 1869607, 1866771, 1527205, 1079009, 1272467. All material is intended for informational purposes only and is compiled from sources deemed reliable but is subject to errors, omissions, changes in price, condition, sale, or withdrawal without notice. No statement is made as to the accuracy of any description or measurements (including square footage). This is not intended to solicit property already listed. No financial or legal advice provided. Equal Housing Opportunity. Photos may be virtually staged or digitally enhanced and may not reflect actual property conditions.

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Maggie's Market Minute: A Perfect Storm of Booming Confidence and Lower Rates

Hold onto your umbrellas! Consumer confidence shot up by a whopping 29% in just two months, marking the most significant surge since 1991. The stock markets are booming, with the S&P 500 hitting a record high yesterday following an unexpectedly robust jobs report. Mortgage rates? They're currently chilling at their lowest point since May 2023. With all these factors at play, there's an exuberance, and a wave of eager buyers flooding the market. The days of homes sitting around with no takers seems to be fading fast. Now, many new listings are flying off the shelves within days, often sparking bidding wars and multiple offers. Homes that lingered on the market last year are suddenly hot commodities, some even selling over asking. And guess what? This isn't just happening in the ritziest neighborhoods; it's even reaching downtown. Below is a quick rundown of how the action is unfolding across the city.

Only time will tell how long this is going to last, but for now we are savoring the rainbow after what has been a stormy 2023 in the housing market 🌈.

Are you, or someone you know, ready to move? Let me know - I can help! Cheers, Maggie

Compass is a real estate broker licensed by the State of California operating under multiple entities. License Numbers 01991628, 1527235, 1527365, 1356742, 1443761, 1997075, 1935359, 1961027, 1842987, 1869607, 1866771, 1527205, 1079009, 1272467. All material is intended for informational purposes only and is compiled from sources deemed reliable but is subject to errors, omissions, changes in price, condition, sale, or withdrawal without notice. No statement is made as to the accuracy of any description or measurements (including square footage). This is not intended to solicit property already listed. No financial or legal advice provided. Equal Housing Opportunity. Photos may be virtually staged or digitally enhanced and may not reflect actual property conditions.

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Reflecting on 30 Years: From JFK to Gratitude

30 Years ago. It was a cold and wet January day. When we touched the ground at JFK. It's hard to believe that it's been three decades since I embarked on an internship in Miami that was meant to last only six months. Little did I know then that this journey would take me through unexpected twists and turns, leading me to Atlanta where I met my husband, relocating to New York where I encountered my first experience with snow – a defining moment that ultimately led me to San Francisco where I found my true home. As I reflect on the past 30 years, I can't help but marvel at the role luck, running and the incredible people in my life have played in shaping my journey. I have a deep sense of gratitude for the opportunities this great country has bestowed upon me. The land of dreams and possibilities, where hard work is rewarded, and dreams can become a reality. I appreciate the countless doors that opened for me, the chances I was given, and the unwavering support of those who believed in my potential. To all those who stood by me, believed in me, and influenced my path, thank you from the bottom of my heart. It's the collective efforts and shared moments that have shaped the person I am today. Here's to the next chapter, filled with gratitude, growth, and the unwavering belief that the best is yet to come! -Maggie

Compass is a real estate broker licensed by the State of California operating under multiple entities. License Numbers 01991628, 1527235, 1527365, 1356742, 1443761, 1997075, 1935359, 1961027, 1842987, 1869607, 1866771, 1527205, 1079009, 1272467. All material is intended for informational purposes only and is compiled from sources deemed reliable but is subject to errors, omissions, changes in price, condition, sale, or withdrawal without notice. No statement is made as to the accuracy of any description or measurements (including square footage). This is not intended to solicit property already listed. No financial or legal advice provided. Equal Housing Opportunity. Photos may be virtually staged or digitally enhanced and may not reflect actual property conditions.

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Quality at a Fair Price vs. The Illusive Bargain

Did you know that Charlie Munger, the investing legend who recently passed away, played a big role in changing Warren Buffet's approach to investing? Instead of buying struggling companies at low prices, Munger steered Buffet toward focusing on quality companies at fair prices. It's a lesson that applies not just to investing, but also to buying a home. I often hear buyers talking about hunting for that perfect "bargain." But in competitive markets, it's tough to find a true steal without facing a lot of competition. This kind of pursuit is usually better suited for real estate pros, not buyers looking for a place to call home. Some people see a home as just four walls and aim to snag the cheapest deal out there. But it's important to be realistic about the long-term value of such a purchase. Seeing value at the time of purchase takes a trained eye and professional guidance. After keeping a close eye on real estate for the last decade, I've learned that the best long-term results often come from high-quality properties in prime locations. Great investors, like Munger and Buffet, don't just look at stock prices; they invest in the product and the companies behind them. Their focus on fair-price purchases over the years really speaks volumes about the success of this approach. So, whether you're investing in stocks or buying a home, remember that focusing on quality and fair prices tends to lead to the best outcomes. It's a valuable lesson to keep in mind for both investors and homebuyers. Having said that: Hello December - it's a great time for home deals! Below is a snapshot of a few homes that sold this week for less than their purchase price. There are deals to be found on high quality homes during this time of the year!

Are you, or someone you know, ready to move? Let me know - I can help! Cheers, Maggie

Compass is a real estate broker licensed by the State of California operating under multiple entities. License Numbers 01991628, 1527235, 1527365, 1356742, 1443761, 1997075, 1935359, 1961027, 1842987, 1869607, 1866771, 1527205, 1079009, 1272467. All material is intended for informational purposes only and is compiled from sources deemed reliable but is subject to errors, omissions, changes in price, condition, sale, or withdrawal without notice. No statement is made as to the accuracy of any description or measurements (including square footage). This is not intended to solicit property already listed. No financial or legal advice provided. Equal Housing Opportunity. Photos may be virtually staged or digitally enhanced and may not reflect actual property conditions.

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Maggie's Market Minute - A Bit of a Rollercoaster Ride

Last week was a bit of a rollercoaster ride, with the economy finally showing signs of cooling down….this news is exactly what both the financial markets and the real estate market have been eagerly anticipating. Here’s what happened: The Fed left the interest rate unchanged after the meeting on November 1st Manufacturing cooled Employment declined New hirings cooled Jobs report was weaker than expected Unemployment rose to 3.9%, up from 3.8% The stock market is buoyant as it appears we are done with rate hikes and have continued to rally for 4 consecutive days. mortgage interest rates saw a sudden drop down to 7.38% (and it is holding steady) after climbing to a 20-year high at 8% in October. Lower rates + stock market rally = great news for the housing market Now, for the nitty-gritty. House prices are down 2% YoY and condos are down 3% YoY, but things have been relatively flat recently. September saw a burst of new listings, more than we've seen in a while. Although it tapered off since then, it sparked a boost in sales last month. October typically sees the peak of price reductions. This year, a whopping 350 listings had their prices adjusted last month. Follow the link below for a complete market report. As we head into the slowest period of the year, many properties are being pulled off the market. It's a golden opportunity for savvy buyers who want to stay in the game – less competition and room for some aggressive negotiation. Time to take a second look at those homes that have been on the market for a while!

Are you, or someone you know, ready to move? Let me know - I can help! Cheers, Maggie

Compass is a real estate broker licensed by the State of California operating under multiple entities. License Numbers 01991628, 1527235, 1527365, 1356742, 1443761, 1997075, 1935359, 1961027, 1842987, 1869607, 1866771, 1527205, 1079009, 1272467. All material is intended for informational purposes only and is compiled from sources deemed reliable but is subject to errors, omissions, changes in price, condition, sale, or withdrawal without notice. No statement is made as to the accuracy of any description or measurements (including square footage). This is not intended to solicit property already listed. No financial or legal advice provided. Equal Housing Opportunity. Photos may be virtually staged or digitally enhanced and may not reflect actual property conditions.

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SF Faces 267-Year Delay to Build 82,000 Homes!

As someone who recently went through the permitting process to enclose our back stairs and add a deck, I can attest to the challenges and frustrations involved in getting anything build in the city. In my experience, it took a staggering 21 months to obtain a building permit, despite having zero objections from my neighbors….and the price nearly doubled from two years earlier. Many of you may already know that the city has been tasked with building 82,069 new homes by 2031. To put it into perspective, the city needs to approve 28 units per day to fulfill the housing element's objectives. In July, the city approved a mere 3 housing units Shockingly (not), at the current permitting rate of only 26 new housing units per month, it would take over 267 years to achieve these goals. Whilst there are external factors beyond the city's control, such as rising mortgage rates and a softer housing market, that hinder housing production, it is crucial that the city addresses the issues within its control: the time and money associated with obtaining development approvals. So how can we streamline the process? Reform the permitting procedures Decrease the number of hearings and legal disputes Align density restrictions with existing height, size, and setback criteria Hold city staff accountable And perhaps then we can expect to make a dent in the 267-year timeline.

Just Listed!

Are you, or someone you know, ready to move? Let me know - I can help! Cheers, Maggie

Compass is a real estate broker licensed by the State of California operating under multiple entities. License Numbers 01991628, 1527235, 1527365, 1356742, 1443761, 1997075, 1935359, 1961027, 1842987, 1869607, 1866771, 1527205, 1079009, 1272467. All material is intended for informational purposes only and is compiled from sources deemed reliable but is subject to errors, omissions, changes in price, condition, sale, or withdrawal without notice. No statement is made as to the accuracy of any description or measurements (including square footage). This is not intended to solicit property already listed. No financial or legal advice provided. Equal Housing Opportunity. Photos may be virtually staged or digitally enhanced and may not reflect actual property conditions.

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Maggie's Market Minute - YoY home price declines have turned positive

The surprisingly quick recovery suggest that the residential real estate downturn is turning out to be shorter and shallower than many housing economists expected after mortgage rates soared last year…..there still aren’t enough homes for sale to meet demand” -WSJ 9/8/23 YoY home price declines have turned positive After the market peaked in mid-2022, year over year home prices began to decline, peaking in the Spring. However, the tide is now turning. In August, we saw YoY median home price appreciation turned positive (5%). Although this does not mean that we are back to the highs of Spring 2022, we expect to see YoY appreciation continue to grow. Fewer sellers = recovery in home prices, despite high mortgage rates The decline in the number of sellers putting their home on the market continues to impact the balance between supply and demand, helping the recovery in home prices despite mortgage rates over 7%. In response, all cash transactions nationally have been running at its highest level in 8 years. Variations depending on property type and location Since the pandemic peak, declines in the condo market has been more pronounced compared to houses. Small condos (studio/1-bed) and Downtown condos were hit the hardest. Prices in Downtown are now comparable to 2014 prices, offering investment opportunity for those with long-term vision. The Luxury Market The luxury market ($5M+) has also seen a decline, with more sales under the original list price than over. As of September 11, 51% of active listings have been on the market for 60+ days and there are 94 active/coming soon listings. Fall is typically the busiest time of year for new listings The Fall market runs from Labor Day until mid-November, and September is typically the month when we see the largest number of new listings. With 509 new listings hitting the market since Labor Day, we expect to see substantial activity this Fall. If you’re in the market to buy a home, buckle up and get your financing sorted out so that you don't fall behind. Homes that check many boxes are flying off the market.

Follow the link below for a complete market report.

Are you, or someone you know, ready to move? Let me know - I can help! Cheers, Maggie

Compass is a real estate broker licensed by the State of California operating under multiple entities. License Numbers 01991628, 1527235, 1527365, 1356742, 1443761, 1997075, 1935359, 1961027, 1842987, 1869607, 1866771, 1527205, 1079009, 1272467. All material is intended for informational purposes only and is compiled from sources deemed reliable but is subject to errors, omissions, changes in price, condition, sale, or withdrawal without notice. No statement is made as to the accuracy of any description or measurements (including square footage). This is not intended to solicit property already listed. No financial or legal advice provided. Equal Housing Opportunity. Photos may be virtually staged or digitally enhanced and may not reflect actual property conditions.

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