Brothers Isaac and Fabian Joost were real-estate developers in the neighborhood of Sunnyside. They saw the success of Frank Julian Sprague's Richmond Union Passenger Railway in Richmond, Virginia, and determined that an electric streetcar system running through their then-isolated portion of the city would be a good way to boost property values. In 1890, the San Francisco & San Mateo Railway Co. was incorporated, and the railway opened for business on April 27, 1892. A double-track railway ran from the Ferry Building at the foot of Market Street, over Steuart Street, Harrison Street, Bryant Street, Fourteenth Street, and Guerrero Street, with single track extending down San Jose Avenue to the Baden area of South San Francisco, with a transfer required at 30th Street and San Jose Avenue. The line did not actually extend to the city of San Mateo, which lays further to the south, although it did run through part of the County of San Mateo. A powerhouse and car barn were built on Sunnyside Avenue one block off San Jose Avenue. The streetcars were of the California car design, with an enclosed center section and open center bench seating at either end of the car, similar to the cable cars used on the California Street line. Single-truck cars long were used on the double track line, and two-truck cars were used on San Jose Avenue. The route chosen by the company was rather unfortunate. They were not able to traverse any of the major streets, as rival streetcar companies already had lines on them. Furthermore, beyond 30th Street, the area of the city was not yet fully settled. With an unpopular route that led to sparsely populated neighborhoods, the company could not generate much revenue despite having nearly 4,200,000 riders annually. This trend continued after the merger into URR well into the 1920s, when electric streetcars were at their most profitable. The line also gained a reputation for being dangerous. Although the company had built a counterweight system to slow cars on a Harrison Street hill between 2nd and 3rd, no such system was added to another hill on Chenery Street, which became the site of a number of runaway cars. Even an injury to a boy there on opening day did not spur the company to action. After a few such accidents, the company finally relaid the track and purchased cars with better brakes. By late 1892, the company opened a second line from the Mission District to Douglass Street via 18th Street, hoping to cash in on the Golden Gate Park traffic. They were able to extend this to within five city blocks of the park, but could go no further because the Market Street Railway Company had their line on Frederick Street, which denied the SF&SM any further access. The company did find one new source of revenue, however. The SF&SM served Holy Cross, Lawn, Mt. Olivet, Cypress, and Woodlawn cemeteries, all in Colma. As a result, funeral traffic became a consistent source of income. Special funeral trains were run consisting of a short mail, express, and funeral car carrying the casket, followed by one or more conventional passenger cars carrying mourners. An 18 September 1893 newspaper article describing the first use of the car notes a charge of $10 to carry the casket, with the regular fare of 10 cents for each mourner. Unfortunately, this was not enough to cover the debt incurred from the line's initial construction as well as subsequent interest payments, forcing the company into receivership. The receiver subsequently was granted permission by the Market Street Railway to use a portion of their line and the SF&SM 18th & Park line finally opened in November 1894. New cars, the first in the city to have front windows, also arrived in summer of 1894, making it finally possible to go from the Ferry Building to Baden without a transfer.
Sale to new owners
Still, the receiver was unable to generate much of a profit and on April 11, 1896, the company was sold to a group of prominent San Franciscans, headed by brothers Adolph and John D. Spreckels. The investors paid off the debts and renamed the company to the San Francisco and San Mateo Electric Railway. The new ownership replaced the original 50-pound rail in San Francisco with 85-pound rail in 1897; and the San Jose Avenue line was relaid with 60-pound rail in 1899. The original fleet of thirty motor cars and three trailers was increased by purchase of forty more motor cars in 1898 and ten more in 1900 plus twenty larger motor cars. One of these cars from 1898, Car 0304, was still in service on the San Francisco Muni as late as 2000.
In 1901, the company was sold once more to the "Baltimore Syndicate", a group of East Coast investors looking to purchase a number of Bay Area railways. In 1902, these companies all merged to form the United Railroads of San Francisco. The URR then quickly built out the line to San Mateo which was operational on 31 December 1902. Nineteen new motor cars, numbered 1225 to 1244 went into service on the new line on 7 September 1903. As URR struggled to rebuild after the 1906 San Francisco earthquake, a shortage of motor cars resulted from conversion of former cable car lines to electric power. The Philadelphia and Western Railroad had ordered twelve motor cars from the Saint Louis Car Company; but these cars were sold to URR when the original purchaser couldn't pay for them. These cars were promptly put into service on the San Mateo line where they became known as the Big Subs. Their size became a problem as the streets they used became congested with automobiles, and they required too much power on hills. The Big Subs were retired in 1923; and the cars built in 1903 were modernized with electric heaters and deeply cushioned leather seats to continue service until this route was abandoned.
The 40 line
URR rebuilt from the 1906 San Francisco earthquake with more efficient routing along major streets replacing formerly parallel lines of the consolidated competing companies. Cars on the San Mateo extension and former San Francisco & San Mateo line through Baden, Colma, and Daly City were routed along Mission Street through San Francisco in what became known as the No. 40 line. The 40 line became one of the URR's most profitable routes, and remained in service until 16 January 1949. Funeral service remained an important source of revenue, and three longer cars were repainted with appropriately somber colors and interior decor for exclusive use in funeral service after rebuilding with a baggage door near one end for loading and unloading coffins.
