Now that I've typed that letter and taken it in properly, I see that the Jackson St. address is a place where the two of them (Kirkby and Bessie) stayed during the unfolding of the earthquake with its many aftershocks. They were taken in by a friend of a friend, so that address won't help I don't think. The city directories are potentially more useful.
This, however, is interesting. Did you have this, Libby?
28 November 1896 Mrs. D.K. Farr arrives NYC from Southampton en route to SF "intending protracted sojourn". She's in 2nd Cabin heavily laden with 6 pieces of luggage (all but 2 others on the page have 1 to 5 pieces; those other 2 are a valet and a physician).
Line 21:
https://www.ancestry.co.uk/imageview...YM237_668-0860
Mrs. D K Farr 28/11/1896 1851 45 Female Southampton, England St Paul New York, New York, USA