Ideally located between Bernal Heights Park and Cortland Avenue, 109 Banks offers the location buyers dream about. Head one way for the open trails and sweeping views of the park; head the other for the cafes, bakeries, wine bars, and local shops of the neighborhood’s beloved village main street. Opportunities like this, a character-filled historic home in one of San Francisco’s most sought-after enclaves, rarely come to market. Built in 1909, this classic Bernal cottage offers two bedrooms and one and a half baths on a single level. It has formal living and dining rooms with original details, an eat-in kitchen, a laundry room, and a deck that opens to the private garden. Below, a large garage offers generous parking and storage, with adjacent unfinished space including storage rooms and a utility room. Offered as a true fixer opportunity, 109 Banks is ready for its next chapter. Whether you envision a thoughtful restoration or a fuller reimagining, the setting, the bones, and the address make this a rare chance to create something special in Bernal Heights.