"Just Thinking"

“Just Thinking”


I met a guy the other day, and we got to talking. He grew up in Fremont and now lives out in Brentwood. When I mentioned that I was from San Francisco and now, also, live in the East Bay. He asked what it was like growing up in “The City.” and if I go back there often. He shared memories of taking BART into San Francisco as a teenager, just to mess around and explore, and how much fun it was.


He told me how much enjoyed bringing their kids into “The City” when they were young, visiting Pier 39, strolling along Fisherman’s Wharf. But then told me how disappointed he was during their most recent visit. Many of the restaurants were shuttered, storefronts boarded up.


He had heard about the amount car break-ins, so he paid the premium to park in a secure lot. But what was really upsetting was the large groups of dirt bike and ATV riders tearing down Jefferson Street and even riding up onto the sidewalks near Pier 39, it was lawless chaos.


Toward the tail end of the pandemic, before Mom moved to Nevada, I had taken her to a doctor’s appointment near the old Pacific Medical Center. We decided to stop by the Wharf for lunch, but as we drove in, we were stunned. What we found left us shocked, dismayed, and deeply saddened. We ended up sitting at Capurro’s, one of the few places still open, across from the South End Rowing Club. As we ate, we reminisced about all the great times we had in the now-closed restaurants that once lined Jefferson Street.


The list of iconic spots that have closed in recent years reads like a history of San Francisco: Alioto’s Restaurant (1925–2020): A cornerstone of the Wharf for nearly a century and home to many family dinners. Fishermen’s Grotto No. 9 (1935–2023): One of the Wharf’s oldest and the backdrop to one of my first dates with Tracy. Lou’s Fish Shack (1988–2023): A seafood and live music venue, where we spent many nights dancing to listening to bands like Brother Buzz, who played at our wedding. Castagnola’s (1916–2020): The Wharf’s oldest restaurant, famous for introducing the crab cocktail. Tarantino’s (1946–2023): A beloved seafood spot and Pompei’s Grotto (1946–2023): A famous for its cioppino to name a few.


There are a few restaurants that continue to survive by offering a taste of San Francisco’s rich culinary past: Scoma’s Restaurant, A classic pier-to-plate institution with unbeatable views. Franciscan Crab Restaurant, with its iconic windows and Cioppino’s, known for its namesake dish. Many of the traditional crab stands are still open and serving fresh Dungeness crab right along the water, just as they have for generations.


San Francisco has always been a city of change, but it’s also a city of resilience. While some of its most iconic institutions may be gone, the spirit of the Wharf and the stories we carry from it, still endure.


Let me know what you think.

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This Weeks Top Story

Over 40% of Homeowners May be Overpaying Property Taxes. Here’s How to Protest It.

Here’s the quiet cost of homeownership no one’s talking about: property taxes. 


According to a new report from Realtor.com®, 40.5% of U.S. homes may be over assessed, with the median homeowner potentially saving $539 per year by challenging their tax bill.


The report also highlights a new tool that helps homeowners identify potential overassessment and access the data needed to file a protest. 


Here’s what you need to know to educate your homeowner clients, especially in states where property taxes are rising fast. 


The Hidden Cost: Overassessed Homes Across the U.S.


According to Realtor.com’s Property Tax Report:

  • 40.5% of U.S. homes are potentially overassessed
  • The median potential savings from a successful protest is $539 per year
  • That’s more than 15% of the average property tax bill

In many cases, homeowners don’t even realize they can protest their tax bill, let alone how to go about it. Realtor.com’s new feature changes that by making the process more transparent, approachable, and actionable.


Where the Savings Add Up the Most


In some states, overassessment is even more widespread; and the potential savings are bigger than average. 


According to the report, here are the top five states where protesting could pay off in a big way:

Texas

51.2% of homes flagged for overassessment

Median potential savings: $606.66


South Dakota

48.3% of homes flagged

Median potential savings: $431.23


California

47.8% of homes flagged

Median potential savings: $1,875.12


Iowa

47.3% of homes flagged

Median potential savings: $368.91


Illinois

46.5% of homes flagged

Median potential savings: $629.76


In California, outdated assessments due to Proposition 13 protections can inflate the appearance of overassessment, while in Texas and Illinois, high effective tax rates mean even small adjustments yield big returns.


In California, outdated assessments due to Proposition 13 protections can inflate the appearance of overassessment, while in Texas and Illinois, high effective tax rates mean even small adjustments yield big returns.


Property Tax Spikes—and Drops—You Need to Know

 

Realtor.com’s data also shows sharp year-over-year increases in median property tax burdens in several states. Georgia tops the list with a 15.6% jump in 2024, even though home values only rose 4.8%, indicating aggressive local rate hikes.

Finish - The Full Story


Posted by:

By Sarah Lentz

May 1, 2025

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