December 2025

 

Greetings, All:

Well, it’s that time of the year, again – Christmas and Hanukkah for most of my family and friends. Gifts abound. Food is shared. Consumer Debt goes up, lol.

Given the season, my thoughts of course fall on the topic of “Giving”.

An Instagram post caught my attention the other day. Talk about perfect timing. I realize social media algorithms show you more of what you’ve engaged with in the past; so if I’ve liked or commented on a heartwarming post about someone doing or saying something kind to others, I’m bound to get similar post notifications as I scroll. Still, this particular post struck me at my core and I had to investigate further. In Hong Kong, a young Chinese woman (off camera) hands out boxed meals to older folks on the street. Some appear to be homeless, some are collecting recyclables to scrape together enough money to live on. All seem very poor. One older woman she came across was collecting cardboard. When the young woman asked if she had eaten dinner yet that night, the old woman replied that she had some bread to eat. The young woman gave her a boxed meal of rice, veggies and beef, then proceeded to hand her some money. The older woman was 85 years old. 85, with multiple bites and scars on her unsteady legs, out at night collecting cardboard for 20-30 HK dollars. The young woman handed her $1,000 HK dollars ($128 US). I can’t stop picturing the old woman’s toothless grin, and hearing her tell the young woman “I’m so happy.”

I was brought up with the idea that “Charity begins at home”. This saying reminds us that genuine generosity starts with how we treat the people closest to us. When we practice kindness, patience, and care within our own families and communities, we develop the habits and character that make deeper compassion possible. Home is where we learn empathy; it’s where we first understand what it means to meet someone else’s needs with a willing and joyful attitude.

Yet the saying is not meant to be a limit—it’s a foundation. True charity doesn’t stop at our front door. If we truly cultivate a spirit of love and gratitude, that spirit naturally extends outward. The compassion we practice in familiar spaces strengthens our ability to recognize and respond to the struggles of others: neighbors, strangers, and communities facing hardship. I think we have a broader responsibility to uplift those around us, whether through volunteerism, financial support, advocacy, or simple everyday kindness. Our homes become the starting point of a wider ripple effect that can touch many lives.

On another post by the same young woman in Hong Kong, she’s ordering 30 boxes of takeout. When the restaurant owner asks, she tells him she’ll be passing them out to those in need. He decides immediately not to charge her, saying this is an effort he’d like to sponsor. She accepts his generosity at first, but returns later and slips him money to pay for the meals. His willingness to contribute however, is a prime example of a ripple effect.

Our responsibility as good people is to let our charity grow beyond what’s comfortable or familiar. Being charitable to others, who may never be able to repay us—is a reflection of our shared humanity. In doing so, we honor both the spirit of the saying and the higher calling to love others well.

We want to close out 2025 by wishing you and yours a warm and memorable Christmas, Hanukkah or holiday celebration of your choosing. Thank you for allowing us to stay in touch with you.

Till next year,

Derek, Emily, Natalie, Mo & Arwin

 

Market Report

by Patrick Carlisle, Market Analyst for Compass Bay Area

December 2025

The real estate market began its usual mid-winter holiday season slowdown in November, marked by a substantial decline in both listing and sales activity. This contraction typically speeds up through December – normally the year’s slowest month – before the market begins to wake up in mid-January.

As illustrated within this report, by virtually every indicator – prices, inventory, overbidding, speed of sale – the San Francisco market this past fall saw a stunning surge in demand, which we ascribe to the accelerating AI startup boom in the city. San Francisco now has one of the most heated markets in the country.

Team News

 

JUST LISTED

8 Mateo Street

3 BD 3 BA 1851 SF $2,100,000

JUST LISTED

2002 3rd Street, Unit 114

1 BD 2 BA 906 SF $845,000

IN CONTRACT

474 2nd Ave, 94118

0 BD 0 BA 1850 SF $1,750,000

JUST SOLD

5800 3rd Street, Unit 1102

2 BD 2 BA 1078 SF $725,000

JUST SOLD

1380 Greenwich Street, Unit 203

1 BD 1 BA 673 SF $900,000

JUST SOLD

456 Vallejo Street, Unit B

2 BD 2 BA 1090 SF $1,225,000

JUST SOLD

2410-2412 34th Avenue

4 BD 1 BA 2322 SF $1,470,000

 

Did You Know?

* City dwellers face a particularly nasty flooding threat from rainfall: Overwhelmed stormwater systems can regurgitate raw sewage. (A professional plumber can install a backwater valve to help prevent sewage from flowing back into your home if the municipal system becomes overwhelmed.) (WSJ)

* Will these four design trend predictions for 2026 materialize?

1. Warm, natural textures and materials

2. Vintage pieces

3. Heritage, hand-made elements that showcase craft and skill.

4. The demise of glossy white finishes

 

Client Spotlight

Over the years we’ve had the privilege of establishing friendships and professional connections with agents all over the Bay Area (in truth, because of Compass’s reach, all over the country). Case in point, we were introduced to Michelle and Wilson Kee by a South Bay agent I’ve known for some time.

They wanted to buy an apartment in a great, walkable part of the City, something they could enjoy as a pied-à-terre today, and possibly a full time residence in the future. A remodeled 2 bedroom, 2 bath view home in North Beach/Telegraph Hill was just the ticket. Did I mention it has a deeded roof deck with iconic views of downtown San Francisco and the Bay Bridge? Holy Macaroni!

Congratulations, folks – it was such a pleasure working with you.

 

News

The 103-year-old landmark hotel perched atop San Francisco’s Nob Hill is set to finally welcome guests again when it reopens in the spring of 2026, following an extended closure and a high-profile restoration.

For five years running, something dazzling has been happening in downtown San Francisco. Each December, buildings shed their staid facades and become canvases for luminous art: Flowers unfurl across brick walls, architectural features pulse with color and entire towering structures seem to breathe with life to (at times) ribcage-rattling soundtracks. As darkness deepens, crowds gather on sidewalks and plazas, transfixed by the spectacle.

 

Maximize the value of your home with Compass Concierge.

 
 

A Nationwide Network

Since Compass launched in 2012, we’ve been simplifying the real estate process one community at a time. Today, we have more than 250+ offices extending from coast to coast.

 
 

The Dunn & Chin Group
Top 1% SF Realtors

Derek Chin DRE #: 00854466
Emily Dunn DRE #: 01424486
Natalie Rome DRE #: 01386654
Mo Salimi DRE #: 02128819

 
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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