ADMIRERS call it the most beautiful — house on the most beautiful site in the U.S. Any architect would envy the site and some might have suggestions for doing things differently (they usually do), but all would agree that Architect Nathaniel Owings has built himself a house that any man could be proud of.

Site and architect came together by sheer chance. Seven years ago, rotund, ebullient Nat Owings, 56, a senior partner of the huge architectural firm of Skidmore, Owings & Merrill, was visiting San, Francisco for the express purpose of courting a...

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