Thoughtfully designed 1924 Excelsior home offering 2,240 sq ft of versatile living space across completely separate upper and lower levels, each with its own private entrance. This classic San Francisco residence presents a rare blend of character and flexibility perfect for multi-generational living, au pair accommodations, private guest retreat, or future ADU potential. The upper level features 3 bedrooms, 2 baths, formal dining room, updated kitchen with breakfast area, and private deck access. Hardwood floors and abundant natural light throughout. The unwarranted lower level offers 1-bedroom, full bath, and open kitchen/dining/living layout with separate entrance ideal for au pair quarters, in-law suite, or future rental opportunity once permitted (buyer to verify). Located on a 2495 sq ft lot steps from Excelsior's vibrant Mission Street corridor with shops, cafes, and services. Close to McLaren Park, Crocker Amazon Playground, public transit, and easy I-280 freeway access. Whether you're seeking flexible family living or investment with upside, this property delivers the perfect balance of character, practicality, and location. *Some photos digitally staged with AI, original photos included