2026 taxable assessment $327,500 × 1.3998%. Estimate—not a bill or account balance.
OPA also publishes a 2027 assessment of $431,000; it is not the 2026 billed-year value.
House report
1406 S 7th St
4 bd · 1 ba · 3 stories · 1,440 sqft · RSA5 · built 1920
Owner-occupied · assessed $428K (2026) · 2027 OPA assessment $431K · sold 2×. On the 1400 block of S 7th St.
Property summary
Assessment$427,5002026 OPA assessment · 2027: $431,000
Last sale$280KRecorded 2014
Est. tax bill$4,584/year2026 OPA · Homestead-adjusted
Tax delinquencyNo 2022 matchNot proof account is current
Permits7Every fetched City permit
Violations0 openNo historical match in fetched records
“Open” reflects records available then historical records keep their source dates estimates are labeled
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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 0120721002026 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 recordRenovated & sold on
Why it mattersBought for $90K in 2013, major alteration permit in 2013, sold for $280K in 2014 (+211%).
View supporting records →City Property History
Fetched L&I and zoning records
Every row successfully fetched for this report is counted below. Dataset availability and matching can differ from the City's interactive file; use the official link for current detail.
- Recorded owner
- Ian Thomas & Hester Struben
- Tax mailing address
- 1406 S 7TH ST, PHILADELPHIA PA, 19147
- L&I district
- SOUTH
- Building ID (BIN)
- —
- OPA account
- 012072100
Permits7Every dated permit
Violation cases0No match
Investigations0No match
Building certifications0No match
Business licenses10 active
Appeals0No match
PermitsPermit number, issued date, work and City status7
PlumbingPermit 365103
Sep 26, 2011 COMPLETED Completed Sep 27, 2011
REPLACE HOUSE TRAP AND FRESH AIR INLET, 1 FAMILY DWELLING
Major alterationPermit 465804
Apr 17, 2013 COMPLETED Completed Mar 13, 2014
1300 SQUARE FEET OF INTERIOR ALTERATIONS - SINGLE FAMILY DWELLING - APPLICANT AGREES TO LIMIT THE CONSTRUCTION TO COMPLY WITH EZ PERMIT STANDARD FOR INTERIOR ALTERATIONS, DATED FEB. 2007. DEVIATIONS FROM THIS STANDARD WILL RESULT IN THE REVOCATION OF THIS PERMIT AND IMPOSITION OF FURTHER PENALTIES. LICENSED CONTRACTOR TO BE LISTED ON PERMIT SEPARATE PERMITS REQUIRED FOR PLUMBING, ELECTRIC AND HVAC. CALL INSPECTOR AT DISTRICT OFFICE AT LEAST 24 HOURS PRIOR TO STARTING WORK. ** ALL SUB-CONTRACTORS REQUIRED TO BE LICENSED AND LISTED ON PERMIT **
Major alterationPermit 481980
Jul 15, 2013 COMPLETED Completed Sep 23, 2013
PROJECT TO REMOVE AND RECONFIGURE STAIR IN EXISTING OPENING. NEW CODE COMPLIANT STAIR WILL RUN FROM FRONT OF HOUSE TO 2ND AND 3RD FLOORS. STRINGERS WILL BE SUPPORTED WITH STRONG TIES.
MechanicalPermit 486382
Aug 12, 2013 COMPLETED Completed Mar 13, 2014
INSTALL ONE 96% NATURAL GAS FURNACE AND CENTRAL AC, SUPPLY AND RETURN DUCT THROUGH OUT NC FIRE RATED AREAS BEING CONDENSING UNIT TO SIT IN REAR YARD OF HOUSE ON GROUND
ElectricalPermit 492046
Aug 29, 2013 COMPLETED Completed Apr 14, 2014
200AMP SERVICE WITH BONDING AND GROUNDING, 45 RECEPTACLES, 25 SWITCHES,18 LIGHT FIXTURES,8 GFI AND 220 DRYER LINE PER 2008 NEC (SFD)
PlumbingPermit 494343
Sep 12, 2013 COMPLETED Completed Sep 26, 2013
COMPLETE 3/4K WATER SERVICE,CURB TRAP,MAIN DRAIN INTO BASEMENT AND RECONNECT (SFD)
PlumbingPermit 495528
Sep 19, 2013 COMPLETED Completed Mar 13, 2014
INSTALL NEW 3" STACK, NEW SMALL DRAIN LINE, NEW PEX WATER LINE FOR 2-BATHS, POWDER ROOM & NEW KITCHEN SINK (SFD)
Violation cases0 individual violation records; resolved history remains visible0
No violation cases matched this parcel in the fetched City dataset.
InvestigationsEvery inspector visit, including CLOSED outcomes0
No investigations matched this parcel in the fetched City dataset.
Building certificationsInspection result and filed expiration date by L&I building ID0
No building certifications matched this parcel in the fetched City dataset.
Business licensesHistorical and active licenses are both retained1
Food CatererLicense 803951
Hester Struben
Revenue code 3122 · First issued Feb 27, 2019 Inactive Expiration Feb 26, 2022 Inactive Apr 27, 2022
AppealsApplication status and decision are separate City fields0
No appeals matched this parcel in the fetched City dataset.
City of Philadelphia OPA, L&I and Zoning Board records, shown as filed. A CLOSED investigation is an outcome label, not a missing visit; an appeal's application status and decision may differ.
Legal due diligence
What this record proves—and what it does not.
These checks are triggered by this property’s actual City rows. They identify the controlling document to verify; they do not declare a use legal, a building safe, or title clear.
2 verify
VerifyA historical business license is not current operating authorityFood Caterer #803951: Inactive since Apr 27, 2022
Why it mattersA license record proves the licensed activity existed at that time. An inactive or expired license does not establish that the business still operates—or that it may legally reopen under the same use.
Verify nextIf business income matters, verify the current tenant, use registration, and active license in eCLIPSE.
Open the controlling City guidance ↗VerifyHomestead is tied to owner occupancy and the deedOPA shows the Homestead Exemption.
Why it mattersPhiladelphia limits Homestead to an owner’s primary residence. The City says a deed change can require a new application or update.
Verify nextA buyer should apply in their own name and not assume the seller’s benefit continues.
Open the controlling City guidance ↗Closing file: checks no public-record summary can replace5 documents/searches to assign before settlement
Property Sales Certification
The seller must obtain Philadelphia’s certificate showing the base zoning, last use in the zoning record, and open violations. The City warns that it does not prove Building Code occupancy or show zoning overlays.
Next: Obtain the fresh certificate and compare it with the CO, permits, and Atlas overlays.
Official guidance ↗Date-effective City Property Payoff
The Tax Center Property Payoff covers Real Estate Tax, Commercial Trash, and L&I abatement-work invoices. Philadelphia says it does not include business-tax debts or liens, water and sewer charges, or fines for code violations.
Next: Request the City statement effective through settlement; read every period and invoice.
Official guidance ↗Professional title and water-lien searches
OPA ownership, deed summaries, and a zero tax balance are not clear title. Mortgages, judgments, municipal claims, water liens, easements, heirs, and other encumbrances require separate searches.
Next: Use a Pennsylvania lawyer/title company and obtain owner’s title insurance; order the separate water search/payoff.
Official guidance ↗Separate water-lien guidance ↗Seller-specific tax relief is not the buyer’s bill
LOOP and low-income or senior Real Estate Tax freezes depend on the qualifying owner and continued program eligibility; a buyer cannot assume the seller’s capped or frozen bill continues. A separately verified property abatement often remains with the property for its remaining term, but program-specific new-owner filing, use, and tax-compliance conditions still must be confirmed—not inferred from the reduced assessment alone.
Next: Have Revenue or OPA identify every current benefit, model the buyer’s bill without seller-specific relief, and confirm any verified abatement in writing.
Official guidance ↗Separate water-lien guidance ↗Seller disclosure and independent inspections
For a covered Pennsylvania residential transfer, obtain the statutory seller disclosure. It reports the seller’s knowledge; it is not a warranty, title search, code review, or substitute for inspections. Because OPA dates this building before 1978, separately obtain the required federal/City lead disclosures and any test results.
Next: Have the agreement and disclosure reviewed for this transaction’s coverage and exceptions.
Official guidance ↗Informational only—not a legal opinion, title report, code inspection, tax payoff, or substitute for a Pennsylvania lawyer, title company, inspector, or tax professional.
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 1920: 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.
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.
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 record to dig into any number.
Assessed value
$427,500
2026 billed-year assessment · 2027: $431,000 · built 1920
Price / sq ft
$299
block $197 · above block
Appreciation
+116%
+8%/yr, city 6.5%
In 5 years (~2031)
~$433K
+8%/yr own pace held 5 yrs — extrapolation, not a forecast
Est. tax bill / yr
$4,584
1.06% effective
Jun 2022 tax snapshot
No match
not proof the account is current
Gross yield
4.5%
≈$2K/mo rent
Times sold
2
Value vs. the block, over time — sales, permits & L&I events marked on the line
This houseBlock median & rangePermit
The paper trail
Renovated & sold onBought for $90K in 2013, major alteration permit in 2013, sold for $280K in 2014 (+211%).
- 2011 PlumbingPermit
- 2013 $90KSoldMajor alterationPermitMajor alterationPermitMechanicalPermitElectricalPermitPlumbingPermitPlumbingPermit
- 2014 $280KSold
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
4
Bathrooms
1
Stories
3
Interior
1,440 sqft
livable area
Lot
690 sqft
Basement
Full, unfinished
city code C
Heat
Forced hot air
city code A
Central air
Yes
Exterior condition
Above average
city code 3
Above averageBelow average
Interior condition
Above average
city code 3
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.
Run the numbers
What owning 1406 S 7th 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.
When this house last sold (2014) a 30-year mortgage ran about 4.17% — 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 use this parcel's taxable assessment, not a live Tax Center balance.
Block context
1406 S 7th St sits on the 1400 block of S 7th St. Open the block report to compare its parcels, ownership and public-record history.
See the whole block →Next door: 1404 S 7th St · 1408 S 7th 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, 3:02 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: queried. “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)