About Cheryl Bower

A third-generation San Francisco native, Cheryl Bower has worked with hundreds of home buyers and sellers, helping them navigate the complex Bay Area real estate market with ease and efficiency. Her unique background and preparation has contributed to her becoming a highly sought after real estate agent in both San Mateo and San Francisco counties. 

As a real estate enthusiast from a young age, Cheryl purchased her first home at the age of 23 and then a 5-unit rental in her late 20’s. Since then, she has turned her passion as a young home buyer and rental unit owner into one of the San Francisco Peninsula’s most successful real estate practices. In fact, she has the truly exceptional record of 100% 5-Star client reviews on Yelp, where dozens of clients have shared their positive experiences working with Cheryl.

Education and learning is an important key to the exceptional service she provides her clients. Along with numerous Realtor designations, notably Cheryl is among just 2.3% of California real estate agents to complete the Graduate Realtor Institute, placing her among an elite group of California agents.

 Cheryl understands that whatever her clients’ ambitions and dreams, their home is the foundation for doing and experiencing their best in life. That is why Cheryl developed a very effective 4-step process that helps her clients navigate the buying or selling journey with ease and efficiency, whether they are downsizing, upsizing, or moving into or out of the San Francisco Bay area.

Based in San Mateo County, California, Cheryl has been a Realtor® since 2005. She is known for her “special balance of calm guidance and aggressive work ethic,” as one client recently observed, “that is rare to find.”

In her free time, Cheryl enjoys golfing with her wife of 21 years, practicing Pilates, hiking with her dogs, renovating her Spanish Revival home in Burlingame and enjoying the fantastic restaurants in the San Francisco Bay Area.


Buyers trust Cheryl to offer sound advice on property value, then negotiate the most competitive offer & terms to help them secure their ideal home. With thorough analysis of disclosure packages, inspection reports, sales data, market values, and area demand, Cheryl balances making her buyers’ offers competitive with ensuring they’re protected and their investment is sound.

Cheryl educates buyers on what to expect and shows them how to win. Her buyers routinely go into contract within one to three offer submissions. Along with helping them find the joy of buying a new home at a price they can afford, Cheryl’s goal is also to assure that none of her clients encounter costly surprises after escrow closes.


How Cheryl helps buyers:

Our proven, 4-step process guides you through every step of the home buying journey.

I listen carefully to your priorities and values, then help you develop your list of essential criteria to prepare you AND your home for the best experience selling your home.

Together, we look closely at sales data & market trends to strategize on the right list price & action plan with the goal of selling your home in the shortest amount of time for the highest possible price.

On the offer date we will evaluate all offers to determine the risks and opportunities.  Through the counter offer process, we will leverage all offers to negotiate the best price and terms when selling your home.

With a sharp eye to protecting your interests every step of the way, I guide the sale to an anxiety-free conclusion so you can focus on your upcoming move.



 Sellers count on Cheryl to negotiate the highest possible price and best terms and oversee the sales process through start-to-finish. She coordinates all details of market preparation, including “refreshing” the property when needed – refinishing floors, painting and staging. Then, using her proven Internet and social media-based marketing program, Cheryl generates exceptionally large buyer turnout for showings and open houses, often resulting in multiple offers.

Through the negotiation and counter-offer process, Cheryl has been able to negotiate sales prices thousands of dollars above the list price, frequently achieving the highest price per square foot in the neighborhood.  

In addition to top-dollar sales, Cheryl is highly focused on minimizing liability for her sellers.  Using proper, thorough disclosures, Cheryl helps her clients avoid the most common reason for litigation. In a highly competitive market like San Francisco & San Mateo County, where more than 20% of transactions are all cash purchases and most properties receive multiple offers, it pays to have an experienced real estate professional on your side.  

Four Step Process


Step 1, INSIGHT: I listen carefully to your priorities and values, then help you develop your list of essential criteria to prepare you AND your home for the best experience selling your home.

 Step 2, PRICING & PREPARATION: Together, we look closely at sales data & market trends to strategize on the right list price & action plan with the goal of selling your home in the shortest amount of time for the highest possible price.

Step 3, RIGHT TIME, RIGHT BUYER: On the offer date we will evaluate all offers to determine the risks and opportunities.  Through the counter offer process, we will leverage all offers to negotiate the best price and terms when selling your home.

Step 4, GUIDE TO COMPLETION: With a sharp eye to protecting your interests every step of the way, I guide the sale to an anxiety-free conclusion so you can focus on your upcoming move.

fCheryl Bower 

What is the bling after my name?


Is your Realtor a Certified Residential Specialist


crs logo

There are over one million REALTORS® in business today. So if you want to find that one-in-a-million REALTOR®, start with the over 34,000 who hold the Certified Residential Specialist Designation.

CRS is the symbol of excellence in residential real estate, a designation held by less than 3.5% of all Realtors. Our members have proven they have the experience, training and commitment to be among the best in their profession.

Cheryl completed the CRS designation requirements in 2010.

Is your Realtor experienced in the marketing of luxury homes?

luxury member

Is your Realtor an Accredited Buyer’s Rep (ABR)?

As a buyer, don’t you want complete and fair representation in your real estate transaction? Real estate buyer’s representatives are responsible for protecting the best interests of their clients,buyers like you, and can guide you through every step of the process. So the first step is finding your buyer’s representative.

What is a Buyer’s Representative?

Defined most simply, a buyer’s representative (or buyer’s agent) is an advocate for the buyer, not the seller, in a real estate transaction.

Cheryl has taken additional course work to earn the ABR designation so that she can provide a higher level of service for her buyer clients.

Contact Cheryl to learn more about how she can help you with your purchase.


Is Your Realtor a GRI?


GRI stands for Graduate REALTOR® Institute. Real estate agents earn the nationally recognized GRI designation after successfully completing a rigorous approximately 90-hour program of course work covering legal issues, financing, technology, pricing and evaluating properties, residential construction, home inspection, ADA, land use, environmental hazards, real estate investment and taxation issues.

Individuals who have attained their GRI are considered leaders in the real estate profession. Because buying and selling property has become increasingly complex, a keen understanding of real estate laws, tax issues and market conditions is crucial to the success of your real estate transaction.

As a sophisticated consumer, your transaction deserves the knowledge and professionalism of a GRI.

 GRI Brochure

Is your Realtor a Seniors Real Estate Specialist?


Over the age of 50 and considering selling the family home?

You need a REALTOR® with senior experience, knowledge and marketing savvy.

Those qualities, along with a special knowledge of managing the sale of a home for those over the age of 50, are what SRES® designees can bring to your next real estate transaction.



Is your Realtor an ePro?



What is an e-PRO—— and why should you hire one?

A short guide for the Internet consumer

When you’re on the Internet, you don’t have time to waste on endless searches for useful real estate information. You want to get things done quickly and without hassle. So chances are you’d like a real estate agent who

  • Answers e-mail promptly and professionally.
  • Respects your on-line privacy.
  • Offers home listings and other Internet tools to help you find or market a home.
  • Enter the e-PRO.

An e-PRO is a REALTOR® who has successfully completed the e-PRO training program for real estate professionals. Endorsed by the National Association of REALTORS®, the e-PRO course teaches professionals the nuts and bolts of working with real estate on-line including social networking and Web 2.0 marketing.

What does all this mean to you? There are several benefits of working with a certified Internet professional.

More privacy

Are you reluctant to give out contact information through the Web for fear of being pestered or spammed? e-PROs understand. They’ve learned the Web isn’t just a place to do business; you need information from someone you can trust.

That’s why e-PROs respect your privacy. They respond quickly to your questions, but don’t send you unwanted communication. And they protect your personal information.

Less hassle

Tired of struggling to find information? e-PROs are more likely to have access to the latest Internet utilities, making your life easier. These tools may include:

  • On-line home tours
  • Instant access to comprehensive neighborhood data
  • Extensive property listings
  • Immediate e-mail notification of just-listed homes meeting your criteria
  • Referral networks and on-line forums, where e-PROs can quickly find information
  • ——even potential buyers——from other e-PROs
  • Newsletters on current real estate conditions in your area
  • Electronic faxes sent to you by e-mail
  • Advanced software, PDAs, and laptops to find you answers on the spot

The result: you get more information, more easily. With electronic files, you have less paperwork to deal with. And since your agent uses e-mail & text, you can even eliminate phone tag. The e-PRO streamlines your entire transaction, from showing to closing.

Less expense

An e-PRO’s access to advanced technology can save you considerable expense. You have more tools to find or market your home, so you’re likely to get a better price. With on-line home tours, you reduce in-person showings——and the costs involved. And by using e-mail, you save money on long-distance calls and fax charges.

Relocating? An e-PRO is ideal for you. With the tools to do your research electronically, you can make a decision on a home the first day you’re in town——or without traveling at all. You and your family save on travel costs. And after you’ve decided to buy, monitoring the sale by e-mail saves you even more.

Should you use an e-PRO? Yes——especially if you’re an Internet user. In this fast-paced age, technology has become a necessity. An e-PRO is someone who has recognized and responded to the needs of the new consumer. If you choose an e-PRO, it’s a safe bet you’ll get the kind of service you want——and need.

Copyright© InternetCrusade® and NATIONAL ASSOCIATION OF REALTORS®.

All rights reserved.


Cheryl Bower, Realtor, CRS, GRI, ABR, ePro, SRES

Certified Residential Specialist, Graduate Realtor Institute, Accredited Buyer’s Rep, Seniors Real Estate SpecialistSan Francisco/San Mateo County listing agent & buyers agent

1126 Broadway #8

Burlingame, CA 94010

Zephyr Real Estate







Cell/Text: 415-999-3450



Areas served:

Helping clients with their home/condo/multi-unit real estate purchase or sale throughout San Francisco including the following neighborhoods:

Noe Valley

Pacific Heights



West Portal

Ingleside Heights

South Beach


Mission Bay

Hayes Valley

Glen Park

Bernal Heights


Potrero Hill

Serving San Mateo County communities including:



San Mateo


San Carlos


Half Moon Bay


Moss Beach

San Bruno

South San Francisco

Redwood City

About Zephyr

Founded in 1978, Zephyr Real Estate is San Francisco's largest independent real estate firm with nearly $2 billion in gross sales and a current roster of more than 300 full-time agents. Zephyr’s highly- visited website has earned two web design awards, including the prestigious Interactive Media Award.

Zephyr Real Estate is a member of the international relocation network, Leading Real Estate Companies of the World; the luxury real estate network, Who's Who in Luxury Real Estate; global luxury affiliate, Mayfair International; and local luxury marketing association, the Luxury Marketing Council of San Francisco.


Zephyr has six offices in San Francisco, two in Marin County, which include a state of the art office in Greenbrae and a small store-front business center in Corte Madera. Alongside this are two brokerage affiliates in Sonoma County. All are strategically positioned to serve a large customer base throughout the San Francisco Bay Area. 


Commitment to community and making a difference is an important part of my business.  With each closed escrow I make a donation to a charity.  Thank you for supporting my business and this group of organizations valued by my clients.  Please let me know if you have any favorite organzations.  Zephyr Real Estate will also match my contributions up to 50%.

The First Tee programs provide life skills education and expose young people to core values.  Our character education helps young people prepare for success in high school, college and life.  The First Tee provides quality youth golf programs that include adult mentors and safe places for young people.


Giveback Homes is a trusted network of real estate professionals dedicated to creating social change through the act of buying or selling a home. By simply choosing to work with a Giveback Homes real estate agent, mortgage broker, home builder or interior designer, you will help build a home for a family in need.




We are dedicated to raising both private and public funds to help support the dynamic, diverse and educational programs and services our Library has to offer.




buildOn is not a charity, it’s a movement.

We empower U.S. urban youth to transform their neighborhoods and the world through intensive community service. Globally, we’re constructing a new school every three days in some of the economically poorest countries around the world.

As the region’s only Community Resource Center, Puente serves the San Mateo County South Coast communities of Pescadero, La Honda, Loma Mar, and San Gregorio. Puente both advocates for our communities and leverages resources that foster economic prosperity and security, and that promote individual and community health and wellness.


Over 40 programs respond to critical community needs including adult education, youth leadership development and employment, economic security, and health and wellness.


California Highway Patrol 11-99 Foundation provides emergency benefits to California Highway Patrol employees and their families in times of crisis.

Since its inception, the Foundation has distributed more than $27 million in assistance to current, retired and Fallen in the Line of Duty CHP employees and their families.




With more than 40 years of service and experience in successfully serving homeless families and individuals, LifeMoves is the largest and most effective nonprofit committed to ending the cycle of homelessness for families and individuals in San Mateo and Santa Clara Counties




Our mission is to provide grants to enable eligible children and young adults with Lyme disease to receive proper treatment and medication as well as raising awareness about Lyme disease.


AIDS/LifeCycle is the only AIDS fundraising bicycle event in California organized by the non-profit agencies that will benefit from the money raised by its participants. Our sole concern is providing critical services to people living with HIV and AIDS. Your support and commitment to this event is pivotal to our success