And, done!
From 1860 to 1861,
Anna 'moved' from 40 First to 62 First
Horace Hoag (a sign-painter) moved from 42 First to 64 First, exactly as you predicted.
Between 1860 and 1861, the house numbers on First Street in San Francisco changed.
I would note that prior to the surname Hoag, most who lived on First St and had a number in 1860 had either moved or left SF (or, at least, the directory).
Also, in 1860, most of the address give were of the 'bet This Street and Another Street' rather than having numbers. But the problem is solved.
Many thanks