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Sell a Fire Damaged House in North City

North City is where brick theft has been most active for two decades. On a damaged masonry building here the first decision is not about price or process; it is whether the building will still be there in three months.

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Authority
City of St. LouisNot the county
Stock
Brick throughoutLargely pre-1930
First Step
Secure the openingsBefore anything else
Risk
Walls taken for brickDocumented for 20 years

The Building Can Physically Disappear

This is not a figure of speech. City building inspectors have described the method, and 3 arrests made by a short-lived 2008 task force produced no prosecutions: a vacant building is set alight, the fire department's hoses knock the mortar loose and bring walls down, and clean brick is collected afterwards. Others back a vehicle into walls to loosen them. Buildings left with their walls peeled away are called dollhouses locally.

The activity has concentrated in north side neighbourhoods since at least the mid-2000s and has moved between them as targets are exhausted; one preservation researcher documented around 60 buildings hit in a 3 year period. The full position is on our page covering historic credits, brick and condemnation.

What Should I Do First After a Fire Here?

Secure every opening properly, and do it in days rather than weeks. On a masonry building the walls are the asset, and an open damaged building on the north side is an invitation. Securing is not rehabilitation, so it does not compromise a historic credit application in the way starting work would.

Because the Walls Are Most of the Value

Housing here dates largely from the 1880s through the 1920s. Missouri's rehabilitation credit is 25 percent of qualified expenditures in St. Louis and has operated since 1997, with credits carried back 3 years or forward 10. The city required brick construction after the fire of 1849, and brickyards were producing more than 20 million bricks a year by 1839.

In a brick building a sound shell removes the demolition, carries the structure, and is what makes the property eligible for historic credits at all.

Lose a wall and you do not simply lose brick. You lose the shell, you likely lose the credit eligibility with the fabric, and a rehabilitation becomes a rebuild on a cleared lot. That is a different project at a much lower price, and it can happen over a single weekend.

Does Insurance Cover Brick Theft?

That depends entirely on your policy and on how a vacant property is treated under it, and vacancy provisions are exactly where policies get restrictive. Ask your carrier directly and early rather than assuming, because the answer changes how urgent securing the building is.

We publish no assessment of theft risk for particular addresses or streets. Activity has shifted between neighbourhoods over the years and current conditions are a matter for the police and for people on the ground rather than for a website.

And Condemnation Runs on Its Own Clock

The second reason not to wait. Where a fire causes significant structural damage the City's Building Division can begin emergency condemnation proceedings under its emergency provisions, which lets it act quickly where a structure poses an immediate safety concern.

An owner deciding slowly is therefore exposed twice: to the building being stripped, and to a process that can take the decision away entirely. Neither is a reason to accept a poor offer, and both are reasons to reach a decision rather than drift.

North City in Context

Where the same brick stock carries far less exposure, see our page about the south side brick neighbourhoods. Where values are high enough that securing is routine and the questions are different, see our page for a district of substantial historic housing.

North City Questions

Part of a Wall Has Already Gone.

Then get a structural assessment quickly, because what remains may or may not be stable and the answer changes both the value and the safety position. Secure whatever is left in the meantime.

Is Boarding It up Worth the Cost?

Against the value of a masonry shell, almost always. It is a small spend protecting the largest single asset on the site.

Will You Buy a Partly Stripped Building?

Yes. It affects the figure substantially because it affects the shell and the eligibility, and it does not stop us buying.

Send the North City Address

We will confirm the authority, the historic position and the state of the shell, then send a written figure with the arithmetic behind it.

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