Public Records
Edition
Philadelphia1200 block of S Harmony StJuly 9, 2026

House report

1232 S Harmony St

3 bd · 3 stories · 1,470 sqft · I2 · built 2025

Owner-occupied · assessed $368K · sold 1×. On the 1200 block of S Harmony St.

Street view of 1232 S Harmony St
From the street — imagery © Google
From above — imagery © Esri, Maxar
The story of this houseAI · written from the public record

Reading this house's deeds, permits and assessments…

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

The tax bill is temporary

Today's $1,031/yr reflects a 10-year abatement. It steps up every year and reaches about $5,157/yr in 2037 — $4,126/yr more. Price the full bill, not the current one.

The last transfer was not a sale

The most recent recorded deed moved for nominal consideration, within one family. That is where tangled-title problems live — budget a real title search. (Occupants untangling an inherited deed can get help from the city's Tangled Title Fund.)

If you own it

When the abatement ends, file for Homestead

An abated home cannot also take the Homestead Exemption. From 2037 it can — knocking about $1,400/yr off the full bill.

Derived from this house's public records and the city's rules as of 2026 (abatement ordinance, Homestead, rental licensing, lead certification, L&I process, excavation protections). Informational only — not legal, tax, or investment advice.

The investment read

How this house has moved and where it's pointed: the city's assessed value (not a listing price) over 12 years, charted against its block; appreciation is that history's pace, and the 5-year figure simply extends it. Yield estimates rent-vs-price from area rents. Ask the analyst below to dig into any number.

Assessed value
$368K
built 2025
Price / sq ft
$251
block $155 · above block
Appreciation
+354%
+354%/yr, city 6.5%
In 5 years (~2031)
~$438K
+354%/yr own pace held 5 yrs — extrapolation, not a forecast
Est. tax / yr
$1K
0.28% effective, abated
Gross yield
—
Times sold
1
kept in the family

Value vs. the block, over time — sales, permits & L&I events marked on the line

$0$250K$500K2020: Appeal granted2021: New Construction2022: New Construction2023: New Construction 2023: New Construction or Additions 2023: New Construction or Additions 2023: New Construction or Additions 2023: New Construction2024: New Construction 2024: Land $330K$368K201620222027
This houseBlock median & rangeLand buyZoningPermit
The paper trailNew construction

Bought for $330K in 2024, built new under a 2021 permit (tax-abated).

  1. 2020 Appeal grantedZoning
  2. 2021 New ConstructionPermit
  3. 2022 New ConstructionPermit
  4. 2023 New ConstructionPermitNew Construction or AdditionsPermitNew Construction or AdditionsPermitNew Construction or AdditionsPermitNew ConstructionPermit
  5. 2024 New ConstructionPermit$330KLand buy

Flags: tax-abated — the bill lags real value · 1 zoning/board appeal on record · long-held within one family. Informational only — not investment advice or a consumer report (FCRA).

The abatement clock

This house pays about $1,031/yr under a 10-year tax abatement that steps down every year. In 2037 the bill reaches its full ~$5,157/yr — a step up of $4,126/yr, 10 assessment years out. Drag the slider.

2026: ~$1,135/yr2027: ~$1,031/yr2028: ~$1,444/yr (projected)2029: ~$1,856/yr (projected)2030: ~$2,269/yr (projected)2031: ~$2,681/yr (projected)2032: ~$3,094/yr (projected)2033: ~$3,507/yr (projected)2034: ~$3,919/yr (projected)2035: ~$4,332/yr (projected)2036: ~$4,744/yr (projected)2037: ~$5,157/yr (projected)2038: ~$5,157/yr (projected)202620372038
2027~$1,031/yrfrom the record

now: ($368,400 assessed − $294,747 abated) × 1.3998% ≈ $1,031/yr 2037: $368,400 assessed × 1.3998% ≈ $5,157/yr The abated slice shrinks ~10% a year (post-2022 program, started 2027) — reassessments move both lines. After expiry an owner-occupant can claim the Homestead Exemption (~$1,400/yr off); an abated home can't hold both.

The house, on paper

The city assessor's field record — the physical spec sheet behind the assessed number.

Bedrooms
3
Stories
3
Interior
1,470 sqft
livable area
Lot
688 sqft
Basement
Full, finished
city code A
Heat
Forced hot air
city code A
Central air
Yes
Exterior condition
Newer construction
city code 1
Newer construction
Interior condition
Newer construction
city code 1
Newer construction
Zoning
I2
city zoning code
Zoning appeals
1
granted 2020

OPA field-assessment attributes. Condition and grade are the assessor's codes, not an inspection.

Run the numbers

What owning 1232 S Harmony St takes, at your price and your rate. Taxes are this house's actual bill from the city record; rent starts at the area median. Assessed value is not an asking price — set the price slider to the real one.

$330K
20%
6.875%
$3K/mo

When this house last sold (2024) a 30-year mortgage ran about 6.72% — Freddie Mac's average that year.

Mortgage
—
P&I · 30-yr fixed
All-in monthly
—
+ taxes & insurance
Cash to close
—
down + ~4% costs
Cash flow
—
rent − all costs · /mo
Cap rate
—
NOI ÷ price
Cash-on-cash
—
year-1 return on cash in

Estimates for orientation, not advice. Assumes a 30-year fixed loan, $1,400/yr insurance, 1% of price/yr maintenance; taxes from this parcel's record (with the abatement toggle above).

Next door: 1230 S Harmony St  ·  1234 S Harmony St

Where this comes from

City datasets are fetched live from OpenDataPhilly (phl.carto.com) and cached briefly. AI-written passages are generated from these records only and rejected if they state a number the record doesn't hold.

Official city record ↗  ·  L&I history ↗  ·  See the whole block  ·  Download this record (JSON)