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Posted on 03/11/2026 11:20:13 AM PDT by nickcarraway
Katelin Holloway and Ben Ramirez thought they had found their forever home when they purchased a spacious North Beach property for $4.75 million in 2021 — a four-story residence with five bedrooms, sweeping skyline views and room for their growing family.
Instead, the couple is now facing the possibility that the house must be carved back into four separate apartments after city officials determined the building was improperly converted from a multi-unit property years before they bought it, according to the San Francisco Chronicle.
SNIP
According to city officials and tenant advocates, the building had previously been altered from a four-unit apartment complex into a single-family residence without proper permits. That means the structure is still officially classified as a multi-unit property in municipal records — and may have to be restored to that configuration.
(Excerpt) Read more at nypost.com ...
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Then the realtor is on the hook.
Yes.
I know someone who has a house that is not rented out. It sits vacant.
Ah. Complete idiots then.
“First, you are assuming they had title insurance.”
Actually I assumed they had a mortgage on the $4.5 million property. Because if they did, they had title insurance and the mortgage company would not write a loan if they knew the title was encumbered.
When I was in Chicago there were zoning and building codes that were totally crazy. Most of us agreed they were “fetcher codes”, just as Springfield passed fetcher laws.
Their sole purpose is to drive business to the precinct captain, or a major donor who can “fix” the problem.
I supposed they could, but it would still cost them money to convert it back.
I'm glad that I don't live in California...
I long suspected that your anti Israel attitude was just a mask for Jew hatred, and now it’s confirmed.
Yes, 15-30 years ago, maybe SF was decent/livable. Last time I was there was 2018, and it was already a craphole then. P*ss and sh*t and zombie drug addicts everywhere.
“Actually I assumed they had a mortgage on the $4.5 million property. Because if they did, they had title insurance”
The lender would require a lender’s policy but that affords no protection for the buyer.
EM1 SSN CVAN
“if the unpermitted status of the conversion was concealed or missed by the real estate professionals involved in the transaction, that would likely be grounds for recourse for the buyers.”
The listing was ‘multi-family’.
The buyers knew exactly what they were getting into. They are on the record as to what they knew and their intentions.
“Then the realtor is on the hook.”
At least read the article.
They knew it was a multi-family house before they bought it.
“Yes, most homebuyers purchase owner’s title insurance
, with roughly 75% of homeowners opting for this protection to safeguard their equity against undiscovered ownership claims. “
Wow, only 75%.
Something I’ve always purchased.
An illegal conversion isn’t a cloud on title?
Okay.
“Isn’t this covered by title insurance?”
Read those Title Insurance policies carefully. I’d be surprised if they EVER pay out anything to anybody. The ones I’ve seen cover almost nothing.
“”altered from a four-unit apartment complex into a single-family residence without proper permits””
Pacific Heights was a good movie along the same theme...
You would think so. Somebody really messed up here. At the very least the listing agent should face a civil suit.
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