2026 taxable assessment $256,900 × 1.3998%. Estimate—not a bill or account balance.
OPA also publishes a 2027 assessment of $404,800; it is not the 2026 billed-year value.
House report
123 Gay St
3 bd · 1 ba · 3 stories · 2,478 sqft · RSA5 · built 1900
Owner-occupancy signal · assessed $357K (2026) · 2027 OPA assessment $405K · sold 2×. On the 100 block of Gay St.
BlockReport AI · cited public records
Ask what this property record means.
Open the research chat with this property already in context. Curated questions are free.
Property summary
Assessment$356,9002026 OPA assessment · 2027: $404,800
Last sale$15KRecorded 2008 · later nominal deed
Est. tax bill$3,596/year2026 OPA · Homestead-adjusted
Tax delinquencyNo 2022 matchNot proof account is current
Permits5Every fetched City permit
Violations0 open4 historical across 1 case
“Open” reflects records available then historical records keep their source dates estimates are labeled
Question or correct this record
BlockReport can explain a discrepancy, but it cannot rewrite an official City record. Use the agency that owns the underlying fact:
Property tax
The estimate, live balance, and back-tax record are different.
BlockReport can calculate the annual tax from the City’s taxable assessment. Payments, credits, interest, and a current amount due live separately in Philadelphia Tax Center.
A Tax Center balance is net of bills, payments, credits, interest, and adjustments. A credit—or an amount due—is not automatically “back taxes.”
OPA 2111414002026 OPA removes $100,000 from the taxable assessment through the owner-occupant exemption.
Historical delinquency sources No current conclusion
This parcel did not match the June 2022 delinquency snapshot. That absence does not confirm the account is current today.
For a purchase, refinance, or closing, request the City’s official Property Payoff statement in Tax Center under “More options.”
What stands out
From the public recordPermit on record
Record summary$200K transfer recorded in 2007. Major alteration permit recorded in 2009.
View supporting records →"Built 1900" is usually a placeholder
Record summaryPhiladelphia records use 1900 as a stand-in when the real construction year was never documented. Treat the age as unknown, not as 120+ years.
View supporting records →What to do with this
The record, translated into moves — what a buyer, the owner, and a landlord would each want to check next under Philadelphia's actual rules.
If you’re buying
Built 1900: lead rules apply
Federal law requires a lead-paint disclosure at sale for any pre-1978 home. If it will be rented, Philadelphia also requires a lead-safe or lead-free certificate before a rental license can issue.
Zoned RSA5: one household by right
Single-family rowhouse (the classic Philly row). Converting to a duplex or apartments needs a use variance the zoning board rarely grants — Pennsylvania courts require a physical hardship of the lot itself, and economics alone do not qualify.
The last transfer used nominal consideration
The latest deed records $100 or less. That is not a usable market-sale price and can reflect a family, estate, gift, correction, or entity transfer. Inspect the deed and order a title search rather than inferring the relationship or chain.
Derived from the fetched property records and linked City guidance as of 2026. Assessment treatment is not a substitute for an exemption approval, live balance, title report, license, occupancy certificate, or inspection. Informational only — not legal, tax, or investment advice.
Assessment and tax history
Every fetched annual City assessment for this house, compared with its block and ZIP. The figures show assessment change, the billed-year tax estimate, dated tax records, and recorded transfers. They do not estimate market appreciation or investment return.
Assessed value
$356,900
2026 billed-year assessment · 2027: $404,800 · built 1900
Price / sq ft
$163
block $264 · below block
Assessment change
+74%
+5%/yr since 2016 · 2027 +13% vs 2026
Est. tax bill / yr
$3,596
1.01% effective
Jun 2022 tax snapshot
No match
not proof the account is current
Times sold
2
Assessment vs. the block and ZIP · every dated City record marked on the line
- OPA assessment · 2016$232K assessed valueOPA’s value on the City tax roll for that year. It is not an appraisal, listing price, sale price, or live tax balance.How Philadelphia property assessments work ↗
- OPA assessment · 2017$232K assessed valueOPA’s value on the City tax roll for that year. It is not an appraisal, listing price, sale price, or live tax balance.How Philadelphia property assessments work ↗
- OPA assessment · 2018$232K assessed valueOPA’s value on the City tax roll for that year. It is not an appraisal, listing price, sale price, or live tax balance.How Philadelphia property assessments work ↗
- OPA assessment · 2019$259K assessed valueOPA’s value on the City tax roll for that year. It is not an appraisal, listing price, sale price, or live tax balance.How Philadelphia property assessments work ↗
- OPA assessment · 2020$264K assessed valueOPA’s value on the City tax roll for that year. It is not an appraisal, listing price, sale price, or live tax balance.How Philadelphia property assessments work ↗
- OPA assessment · 2021$264K assessed valueOPA’s value on the City tax roll for that year. It is not an appraisal, listing price, sale price, or live tax balance.How Philadelphia property assessments work ↗
- OPA assessment · 2022$264K assessed valueOPA’s value on the City tax roll for that year. It is not an appraisal, listing price, sale price, or live tax balance.How Philadelphia property assessments work ↗
- OPA assessment · 2023$298K assessed valueOPA’s value on the City tax roll for that year. It is not an appraisal, listing price, sale price, or live tax balance.How Philadelphia property assessments work ↗
- OPA assessment · 2024$298K assessed valueOPA’s value on the City tax roll for that year. It is not an appraisal, listing price, sale price, or live tax balance.How Philadelphia property assessments work ↗
- OPA assessment · 2025$357K assessed valueOPA’s value on the City tax roll for that year. It is not an appraisal, listing price, sale price, or live tax balance.How Philadelphia property assessments work ↗
- OPA assessment · 2026$357K assessed valueOPA’s value on the City tax roll for that year. It is not an appraisal, listing price, sale price, or live tax balance.How Philadelphia property assessments work ↗
- OPA assessment · 2027$405K assessed valueOPA’s value on the City tax roll for that year. It is not an appraisal, listing price, sale price, or live tax balance.How Philadelphia property assessments work ↗
- Deed / sale · 2007Deed / sale $200KA recorded real-estate document or transfer event. The amount and date can be useful history, but the underlying deed and transfer-tax filing control the parties, consideration, and legal effect.How to read the recorded document ↗
- Deed / sale · 2008Deed / sale $15KA recorded real-estate document or transfer event. The amount and date can be useful history, but the underlying deed and transfer-tax filing control the parties, consideration, and legal effect.How to read the recorded document ↗
- Permit · 2008-09-08Major alterationA broad legacy permit work category for a substantial building alteration. It can include changed layouts, partitions, fixtures, finishes, structural work, or occupancy-related work, but only the approved scope and plans say what this permit actually authorized; separate trade permits may be required.What Philadelphia building permits can cover ↗
- Permit · 2008-09-17PlumbingThis permit category usually covers water, drainage, fixtures, or other plumbing work. The approved scope—not the short category—defines what was authorized, and issuance alone does not prove completion.Philadelphia construction and repair permits ↗
- Permit · 2008-11-14ElectricalThis permit category usually covers electrical installation, alteration, replacement, or repair. The approved scope—not the short category—defines what was authorized, and issuance alone does not prove completion.Philadelphia construction and repair permits ↗
- Permit · 2008-12-01MechanicalThis permit category usually covers construction, repair, alteration, addition, or occupancy work. The approved scope—not the short category—defines what was authorized, and issuance alone does not prove completion.Philadelphia construction and repair permits ↗
- Permit · 2009-02-12Major alterationA broad legacy permit work category for a substantial building alteration. It can include changed layouts, partitions, fixtures, finishes, structural work, or occupancy-related work, but only the approved scope and plans say what this permit actually authorized; separate trade permits may be required.What Philadelphia building permits can cover ↗
- L&I violation · 2008-12-15PERMB- TO COMPLY VIOLA dated L&I enforcement row. Read the cited code, required correction, status, and later inspections together; the title alone does not establish the property’s current condition.How L&I violations and orders work ↗
- L&I violation · 2008-12-15PERMB- PARTIAL DEMOLA dated L&I enforcement row. Read the cited code, required correction, status, and later inspections together; the title alone does not establish the property’s current condition.How L&I violations and orders work ↗
- L&I violation · 2008-12-15PERMB- INSTALL ROOF TRUSSESA dated L&I enforcement row. Read the cited code, required correction, status, and later inspections together; the title alone does not establish the property’s current condition.How L&I violations and orders work ↗
- L&I violation · 2008-12-15PERMB- INSTALL/REPL STAIRWAYA dated L&I enforcement row. Read the cited code, required correction, status, and later inspections together; the title alone does not establish the property’s current condition.How L&I violations and orders work ↗
- Inspection · 2008-12-12BP_BLDGA dated L&I visit or review. Its type describes the inspection program; the separate result and later rows show whether that visit passed, failed, or led to follow-up.What Philadelphia inspections check ↗
- Inspection · 2009-02-18BP_BLDGA dated L&I visit or review. Its type describes the inspection program; the separate result and later rows show whether that visit passed, failed, or led to follow-up.What Philadelphia inspections check ↗
- License · 2013-05-22RentalA City license record tied to an activity or property use. Its issue, expiration, inactive, and status fields—not the category alone—show what was recorded for this date.Philadelphia L&I licenses and property records ↗
Property assessmentBlock median & rangeZIP 19127 medianAssessmentDeed / saleL&I violationPermitInspectionLicense
Scroll horizontally to move through the years. Each icon sits on its recorded date; records without a day are labeled and centered within their year. Select one to explain the filing.
Highlight
Every dated record14 events · exact dates, newest first
- LicenseRental
- InspectionBP_BLDG
- PermitMajor alteration
- L&I violationPERMB- TO COMPLY VIOL
- L&I violationPERMB- PARTIAL DEMOL
- L&I violationPERMB- INSTALL ROOF TRUSSES
- L&I violationPERMB- INSTALL/REPL STAIRWAY
- InspectionBP_BLDG
- PermitMechanical
- PermitElectrical
- PermitPlumbing
- PermitMajor alteration
- Deed / saleDeed / sale $15K
- Deed / saleDeed / sale $200K
The paper trail
Permit on record$200K transfer recorded in 2007. Major alteration permit recorded in 2009.
- 2007 $200KTransfer
- 2008 4 L&I violationsL&IInspection failedL&I visitMajor alterationPermitPlumbingPermit$15KTransferElectricalPermitMechanicalPermit
- 2009 Major alterationPermitL&I: 1 failed, 1 passedL&I visit
Records behind the chart
Browse the source ledger
The chart above is the primary timeline. This drawer preserves every underlying dated row and its filed status for source-level review.
Browse 14 dated records deeds, permits, inspections, licenses, violations, certifications & appeals
- LicenseRental
License 594331 · Inactive
CHRISTINE & JOSHUA VENTRE STARANOWICZ · Expires 2015-02-28 · Inactive 2015-04-29
- InvestigationBP_BLDG
Case 187730 · PASSED
The cited inspection visit was marked passed.
- PermitMajor alteration
Permit 196058 · COMPLETED
PERMIT FOR THE FOLLOWING STRUCTURAL WORK IN SINGLE FAMILY DWELLING: 1) CONSTRUCT THREE CMU PIERS AT BASEMENT LEVEL AND INSTALL TWO LAM BEAMS ATOP OF SAME. 2) REMOVE AND REPLACE 2"X8" FLOOR JOISTS AT FIRST FLOOR REAR, 9 BY 12 FOOT AREA. 3) SISTER 5 EXISTING 3X8 FLOOR JOISTS AT SECOND FLOOR, AND INFILL OPENING TO KITCHEN AREA WITH CMU. 4) INSTALL NEW 2X8 ROOF RAFTERS AT SECOND FLOOR REAR-12X16 FOOT AREA. 5) ADD 2X8'S AT BOTH HEADERS FOR STAIRWAY TO 3RD FLOOR. 6) INSTALL LVL BEAM AT THIRD FLOOR LOFT AREA. 7) SISTER EXISTING 3BY10 RIDGE BEAM AND ADD 2X8'S WITH 6X6 SUPPORT POSTS AT REAR OF TOP ROOF. ALL WORK MUST CONFORM TO STAMPED, DEPARTMENT APPROVED PLANS. NO OTHER STRUCTURAL WORK ALLOWED UNDER THIS PERMIT. OWNER/CONTRACTOR TO PROVIDE SEALED REPORT FROM A REGISTERED STRUCTURAL ENGINEER FOR WORK COMPLETED, AND ACTUAL SITE CONDITIONS, IF REQUESTED BY DISTRICT FIELD INSPECTOR.
- InvestigationBP_BLDG
Case 187730 · FAILED
The cited inspection visit was marked failed; later rows may show follow-up or resolution.
- ViolationPERMB- TO COMPLY VIOL
Case 187730 · Violation 1221969 · COMPLIED
City marked this violation complied with; check the resolution date and live case for what was accepted.
- ViolationPERMB- PARTIAL DEMOL
Case 187730 · Violation 1221966 · COMPLIED
City marked this violation complied with; check the resolution date and live case for what was accepted.
- ViolationPERMB- INSTALL ROOF TRUSSES
Case 187730 · Violation 1221967 · COMPLIED
City marked this violation complied with; check the resolution date and live case for what was accepted.
- ViolationPERMB- INSTALL/REPL STAIRWAY
Case 187730 · Violation 1221968 · COMPLIED
City marked this violation complied with; check the resolution date and live case for what was accepted.
- PermitMechanical
Permit 190235 · COMPLETED
INSTALL ONE NEW DUCANE 100,000 BTU, 92% GAS FIRED FURNCE WITH OUTDOOR A/C CONDENSE AND INDOOR A/C COIL. NO OTHER WORK ALLOWED ON THIS PERMIT. APPLICANT AGREES TO LIMIT CONSTRUCTION TO COMPLY WITH EZ PERMIT STANDARD DATED FEBRUARY, 2007. DEVIATION FROM THIS STANDARD WILL RESULT IN THE REVOCATION OF THIS PERMIT AND THE IMPOSITION OF FURTHER PENALTIES.
- PermitElectrical
Permit 188166 · COMPLETED
INSTALL 200A SERVICE, INSTALL 20 CIRCUITS, 40 OUTLETS, 15 SWITCHES, 15 LIGHT FIXTURES, 8- 120V SMOKE DETECTORS, 3 GFI'S, 2 EXHAUST FANS... IN ACCORDANCE WITH 2005 NEC
- PermitPlumbing
Permit 177621 · COMPLETED
ROUGH AND FINISH 3 - 3 PC BATHS, 1 POWDER ROOM, 1 KITCHEN SINK AND 1 LAUNDRY TUB, REPLACE SOIL STACK AND MAIN DRAIN
- PermitMajor alteration
Permit 175532 · COMPLETED
INTERIOR ALTERATIONS TO A SINGLE FAMILY DWELLING. APPLICANTS AGGREES TO LIMIT THE CONSTRUCTION TO COMPLY WITH EZ PERMIT STANDARD FOR INTERIOR DATED FEBRUARY 2007. ANY DEVIATIONS FROM THIS STANDARD WILL RESULT IN THE REVOCATION OF THIS PERMIT AND THE IMPOSITION OF FURTHER PENALTIES
- Recorded transfer$15K transfer
2008
- Recorded transfer$200K transfer
2007
What this record suggests
The City file documents 5 permits touching kitchen work, bathroom work, electrical work, plumbing. 5 carries a completed, issued, or approved status; that documents the filing, not the present quality of the work.
Unavailable when this report assembled: certifications. Unavailable does not mean no record.
Informational only — not investment advice or a consumer report (FCRA).
The property, on paper
The city assessor's field record — the physical spec sheet behind the assessed number.
Bedrooms
3
Bathrooms
1
Stories
3
Interior
2,478 sqft
livable area
Lot
1,250 sqft
Basement
Full, unfinished
city code C
Heat
Hot water / radiators
city code B
Central air
No
Exterior condition
Average
city code 4
Above averageBelow average
Interior condition
Average
city code 4
Above averageBelow average
Quality grade
C
assessor's grade
ABCDE
Zoning
RSA5
city zoning code
OPA field-assessment attributes. Condition and grade are the assessor's codes, not an inspection.
Where the record looks off
Places where the city's own paperwork disagrees with itself. These are flags on the data — not problems with the property.
"Built 1900" is usually a placeholder
Philadelphia records use 1900 as a stand-in when the real construction year was never documented. Treat the age as unknown, not as 120+ years.
Run the numbers
What owning 123 Gay St takes, at your price and your rate. Taxes start with an annual estimate from the City’s taxable assessment, not a current bill or balance; rent starts at the area median. Assessed value is not an asking price — set the price slider to the real one.
Mortgage
—
P&I · 30-yr fixed
All-in monthly
—
+ taxes & insurance
Estimated cash needed
—
down + 4% planning allowance
Modeled cash flow
—
rent − shown costs · /mo
Modeled cap rate
—
modeled NOI ÷ price
Modeled cash-on-cash
—
modeled year-1 return
Scenario for orientation, not advice. Assumes a 30-year fixed loan, $1,400/yr insurance, 1% of price/yr maintenance, and buyer cash equal to the down payment plus 4%. Taxes use this parcel's taxable assessment, not a live Tax Center balance. Cash flow and returns exclude vacancy, management, utilities, HOA or condo fees, leasing costs, income tax, and unplanned capital work.
Block context
123 Gay St sits on the 100 block of Gay St. Open the block report to compare its parcels, ownership and public-record history.
See the whole block →Next door: 125 Gay St · 127 Gay St
Where this comes from
- Assessment, spec sheet & owner — OPA Property Assessments, Office of Property Assessment
- Sales & deed history — Realty Transfer Tax records, Recorder of Deeds
- Permits, violations & inspections — L&I Property History · Atlas
- Tax delinquency snapshot · June 2022 — Real Estate Tax Delinquencies, Dept. of Revenue
- Historical tax ledger & liens · through 2016 — Real Estate Tax Balances, Dept. of Revenue
- Current property-tax balance — Verify with Philadelphia Revenue
- Zoning appeals — L&I & Zoning Board appeals
- Neighborhood income & rents — US Census ACS 5-year estimates
- Historical mortgage rates — Freddie Mac Primary Mortgage Market Survey, annual averages
- Imagery — Street photo © Google · Aerial © Esri, Maxar
Methodology & freshness
This report was assembled Jul 10, 2026, 3:30 AM ET. Available City datasets are queried from OpenDataPhilly (phl.carto.com) and the cited City ArcGIS feeds; record queries paginate rather than silently taking a first page. For this property: Permits: queried · Violations: queried · Investigations: queried · Appeals: queried · Licenses: queried · Building certifications: unavailable. “Unavailable” means the source query failed or was not supplied, not “no record.” Reports re-pull on view after seven days and on an overnight rolling schedule; citywide benchmarks recompute weekly. Source dates still govern: the parcel-level tax-delinquency snapshot is June 2022 and the separate detailed tax ledger ends in 2016, so neither establishes today’s balance. The live balance and date-effective payoff must be verified in Tax Center. AI-written passages are grounded in the assembled record and rejected if they state a number the record does not hold.
Official city record ↗ · L&I history ↗ · See the whole block · Download this record (JSON)