In 1904, nine-year-old Samantha, an orphan living with her wealthy grandmother, and her servant friend Nellie have a midnight adventure when they try to find out what has happened to the seamstress who suddenly left her job.

It is 1906, and when her family is cheated out of their tavern, fourteen-year-old Minnie Bonner is forced to become a maid to the Sump family, who are moving to San Francisco--three weeks before the great earthquake.