|Hi Abba, I found you on the please review page wondering about your setting.
Honestly, I find the piece hard to understand. I think part of it is the way you vary between present and past tense while using first person POV. It should be one or the other. I'm not a big fan of first person unless it's done well enough I don't stop and think about it being first person, but you use a lot of "I did this. I did that. I looked up. I walked down the street. I...." construction, and that makes it very staccato and detached.
Also, using references of other writings and real structures to describe your settings (F.L. Wright, Gollum, Gaudi-esque) feels as though you don't have your own words to describe your fictional setting, or you're trying to show off your knowledge. Showing your knowledge is fine, yes, but you have to be sure it adds to the story rather than just telling readers, hey, I read this or I watched that. It may fit your character, but we have no clue who your character is, so it means nothing to us.
Try to vary your sentence structures to make it flow better, and maybe give us some description in your own words without references so we're in your head, or your character's head, and not someone else's.
As for your character, if you want us to be terrified with her, we need better introduction to her. For example, instead of: It was... I was... The city was... The river is...
Maybe something like: A city? Why was I sitting on some park bench in some city that wasn't a city in front of a river that wasn't a river, heaving no water along its narrow crevice? I was just in bed, in my bed, ...
Do you see the difference in emotional impact? Pull us into the character and give us what she is thinking about the setting.
It sounds like you have an interesting story to tell, so keep on with it!