The Block Report

House report

164 Gay St

3 bd · 3 stories · 2,236 sqft · RSA5 · built 2016

Owner-occupied · assessed $649K (2026) · 2027 OPA assessment $553K · sold 4×. On the 100 block of Gay St.

Property summary

Assessment$648,6002026 OPA assessment · 2027: $553,400 Last sale$405KRecorded 2016 Est. tax bill$3,026/year2026 taxable assessment · full-value scenario $9,079/year · basis and term unverified Tax delinquencyNo 2022 matchNot proof account is current Permits12Every fetched City permit Violations0 openNo historical match in fetched records

“Open” reflects records available then historical records keep their source dates estimates are labeled

BlockReport AI · cited public records

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BlockReport can explain a discrepancy, but it cannot rewrite an official City record. Use the agency that owns the underlying fact:

Street view of 164 Gay St
From the street — imagery © Google
From above — imagery © Esri, Maxar

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.

Estimated annual Real Estate Tax$3,026/year

2026 taxable assessment $216,200 × 1.3998%. Estimate—not a bill or account balance.

OPA also publishes a 2027 assessment of $553,400; it is not the 2026 billed-year value.

Official current account balanceCheck live

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 211147200
Open Philadelphia Tax Center →Choose “View period balance” to see the tax year and any credit, interest, or delinquency.
Exemption classificationPartial assessment exemption — basis unverified

2026 OPA taxes $216,200 of $648,600 assessed. The assessment fields alone do not identify a program, approval date, expiration, or buyer eligibility.

See the assessment math →
Full-assessment scenario$9,079/year

Applying the same rate to the billed-year full assessment. OPA's numeric split does not say when or whether the current treatment changes.

See the assessment math →
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 record
Finding

Torn down & rebuilt

Why it matters

Old house bought for $185K in 2015, demolished in 2015 and rebuilt (2014), then sold for $405K in 2016.

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

Verify the current tax bill and exemption

The 2026 taxable assessment implies about $3,026/yr, while applying the same rate to the full assessment would imply about $9,079/yr — $6,053/yr more. OPA's assessment split does not establish the exemption program, expiration, or buyer eligibility. Verify the basis and live bill with OPA and Revenue.

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.

If you own it

Verify which assessment relief applies

OPA shows a material assessment exemption, but this record does not identify its legal basis or transfer treatment. Ask OPA for the approval history; if the current treatment ends, an eligible owner-occupant may need to apply separately for Homestead relief.

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
$648,600
2026 billed-year assessment · 2027: $553,400 · built 2016
Price / sq ft
$247
block $264 · below block
Appreciation
+1732%
+34%/yr, city 6.5%
In 5 years (~2031)
~$563K
+34%/yr own pace held 5 yrs — extrapolation, not a forecast
Est. tax bill / yr
$3,026
0.55% effective, reduced taxable assessment
Jun 2022 tax snapshot
No match
not proof the account is current
Gross yield
2.8%
≈$1K/mo rent
Times sold
4

Assessment vs. the block · every dated City record marked on the line

$0$500K$1.0M2016 OPA assessment: $35K2017 OPA assessment: $390K2018 OPA assessment: $390K2019 OPA assessment: $405K2020 OPA assessment: $412K2021 OPA assessment: $412K2022 OPA assessment: $412K2023 OPA assessment: $525K2024 OPA assessment: $525K2025 OPA assessment: $649K2026 OPA assessment: $649K2006 — 2006-07-06: Rental2009 — 2009-11-05: Major alteration2010 — 2010-02-23: Major alteration2014 — 2014-11-03: Electrical · 2014-11-14: Zoning/use · 2014-11-14: Demolition2015 — Land record $185K · Demolished · 2015-02-17: Zoning/use · 2015-04-10: New construction · 2015-05-29: Plumbing · 2015-06-04: Electrical · 2015-06-09: Mechanical · 2015-08-27: Administrative · 2015-09-22: Suppression · 2015-06-17: BP_BLDG · 2015-04-01: Building standards appeal2016 — Deed / sale $405K$649K200620102014201820222026
This propertyBlock median & rangeDeed / saleLand buyTeardownAppealPermitInspectionLicense
Deed / sale $405K
Highlight
Every dated record18 events · scroll to browse
  1. Deed / saleDeed / sale $405K
  2. PermitSuppression
  3. PermitAdministrative
  4. InspectionBP_BLDG
  5. PermitMechanical
  6. PermitElectrical
  7. PermitPlumbing
  8. PermitNew construction
  9. AppealBuilding standards appeal
  10. PermitZoning/use
  11. Land buyLand record $185K
  12. TeardownDemolished
  13. PermitZoning/use
  14. PermitDemolition
  15. PermitElectrical
  16. PermitMajor alteration
  17. PermitMajor alteration
  18. LicenseRental

The paper trail

Torn down & rebuilt

Old house bought for $185K in 2015, demolished in 2015 and rebuilt (2014), then sold for $405K in 2016.

  1. 2014 DemolitionPermit
  2. 2015 Zoning/usePermitAppeal approvedZoning$185KLand buyNew constructionPermitPlumbingPermitElectricalPermitMechanicalPermitDemolishedTeardownAdministrativePermitSuppressionPermit
  3. 2016 $405KSold

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.

Open the City record ↗
Browse 17 dated records deeds, permits, inspections, licenses, violations, certifications & appeals
  1. Recorded transfer$405K transfer

    2016

  2. PermitSuppression

    Permit 619157 · COMPLETED

    FOR THE INSTALLATION OF A NFPA 13R FIRE SUPPRESSION SYSTEM FOR A SINGLE FAMILY DWELLING. FIRE SUPPRESSION SYSTEM SERVICED BY A TWO INCH FIRE SERVICE LINE WITH A BACK FLOW PREVENTER ASSEMBLY. ENSURE FIRE PROTECTION AT WINDOWS ARE PRVOIDED PER BBS VARIANCE #24643. ALL WORK TO BE DONE PER APPROVED PLANS, IF FIELD CONDITIONS VARY CONTACT DESIGN ENGINEER PRIOR TO THE START OF ANY WORK. FIRE SUPPRESSION SYSTEM TO BE INSTALLED IN ACCORDANCE WITH NFPA 13R. SEPARATE PERMTS REQUIRED FOR ALL OTHER WORK.

  3. PermitAdministrative

    Permit 626941 · COMPLETED

    TO AMEND PERMIT #581358 TO ADD REVISIONS TO RETAINING WALL ADJACENT TO 166 GAY STREET AS SHOWN IN APPROVED PLANS. RETAINING WALL TO BE CONSTRUCTED AS PER ENGINEER'S LETTER.

  4. InvestigationBP_BLDG

    Case 485358 · CLOSED

    City marked the record closed; open the case for the closing reason.

  5. PermitMechanical

    Permit 615493 · COMPLETED

    INSTALL 2 GAS FIRED HEATING AND A/C SYSTEMS FOR NEW BUILDING ON EXISTING FOUNDATION.

  6. PermitElectrical

    Permit 614040 · COMPLETED

    200A SERVICE ABOVE GROUND, RECEPTACLE, SWITCHES, DIMMERS, HI-HATS, CEILING LIGHTS, EXHAUST FANS, GFCI RECEPTACLES, APPLIANCE HOOK-UPS, HVAC, CABLE & ARC-FAULT BREAKERS...IN ACCORDANCE WITH 2008 NEC FOR A ONE FAMILY BUILDING

  7. PermitPlumbing

    Permit 613563 · COMPLETED

    INSTALL DRAIN AND WATER SUPPLY TO (5) LAVATORIES, (4) TOILETS, (3) SHOWERS, KITCHEN SINK, DISHWASHER, SOAKING TUB AND WASHER

  8. PermitNew construction

    Permit 581358 · COMPLETED

    FOR THE ERECTION OF A THREE-STORY SEMI-DETACHED STRUCTURE ON EXISTING FOUNDATIONS. BUILDING TO BE FULLY SPRINKLERED. SEPARATE PERMITS REQUIRED FOR MECHANICAL, ELECTRICAL, PLUMBING, AND FIRE SUPPRESSION SYSTEMS. PERMIT APPROVED VIA BOARD OF BUILDING STANDARDS VARIANCE (CASE NO. 24643).

  9. AppealBuilding standards appeal

    Appeal 24643 · CLOSED · APPROVED

    Related permit 581358 · ON 02/12/2015, THE DEPARTMENT OF LICENSES AND INSPECTIONS ISSUED AN NOTICE OF REFUSAL FOR APPLICATION #581358.

  10. PermitZoning/use

    Permit 581356 · COMPLETED

    FOR THE COMPLETE DEMOLITION OF AN EXISTING SEMI-DETACHED STRUCTURE AND FOR THE ERECTION OF A SEMI-DETACHED STRUCTURE. SIZE AND LOCATION AS SHOWN IN PLANS.

  11. Land recordLand record

    2015

  12. PermitZoning/use

    Permit 570862 · COMPLETED

    FOR THE COMPLETE DEMOLITION OF AN ATTACHED BUILDING. FOUNDATION TO REMAIN. SIZE AND LOCATION AS SHOWN IN PLANS.

  13. PermitDemolition

    Permit 570867 · COMPLETED

    FOR THE COMPLETE DEMOLITION OF AN EXISTING THREE-STORY ATTACHED STRUCTURE IN ACCORDANCE WITH CODE BULLETIN B-1302. ONLY EXISTING FOUNDATION TO REMAIN. SEPARATE PERMITS REQUIRED FOR STREET CLOSURES AND PEDSTRIAN PROTECTION METHODS, BOTH OF WHICH ARE TO BE IN PLACE PRIOR TO STARTING DEMOLITION. WATER DEPARTMENT APPROVAL FOR WATER/SEWER DISCONTINUANCE TO BE PROVIDED PRIOR TO STARTING WORK.

  14. PermitElectrical

    Permit 571737 · COMPLETED

    INSTALL 100AMP TEMPORARY SERVICE EXTERIOR ONLY 3-STRINGER FROM 11/7/14 TO 2/7/15 AS PER NEC 2008 (SFD)

  15. PermitMajor alteration

    Permit 251537 · EXPIRED

    INTERIOR RENOVATION OF EXISTING FIRST FL. KITCHEN/BATHROOM. RESTRUCTURE FLOOR FRAMING AND KITCHEN; ADDING NEW LAUNDRY AREA. CONVERTING EXISTING POWDER ROOM TO FULL BATHROOM. ADDING NEW PASS THRU AT LIVING AND DINING ROOMS

  16. PermitMajor alteration

    Permit 246467 · COMPLETED

    REPAIR/REPLACE DAMAGED RETAINING WALL

  17. LicenseRental

    License 376609 · Inactive

    KAREN KERR (MERRI PIETRANGELO) · Expires 2007-02-28 · Inactive 2006-07-06

What this record suggests

The City file documents 12 permits touching kitchen work, bathroom work, electrical work, plumbing. 11 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.

Flags: material assessment exemption — legal basis and term unverified · 1 zoning/board appeal on record. Informational only — not investment advice or a consumer report (FCRA).

The assessment exemption gap

OPA's 2026 taxable assessment implies about $3,026/year. Applying the same 1.3998% rate to the full assessed value would imply ~$9,079/year — $6,053/year more. That is a scenario, not a forecast: the assessment split alone does not identify the exemption program, approval date, expiration, transfer treatment, or live Tax Center balance.

2016: ~$496/yr2017: ~$764/yr2018: ~$764/yr2019: ~$794/yr2020: ~$808/yr2021: ~$808/yr2022: ~$808/yr2023: ~$1,468/yr2024: ~$1,468/yr2025: ~$1,816/yr2026: ~$3,026/yr20162026
2026~$3,026/yrestimated from assessment

2026: ($648,600 assessed − $432,426 exempt) × 1.3998% ≈ $3,026/yr full-assessment scenario: $648,600 × 1.3998% ≈ $9,079/yr The OPA amount does not prove a ten-year abatement or any other specific program. Obtain the approval history and verify the current Tax Center account; a buyer should not assume the seller's relief transfers or restarts.

The property, on paper

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

Bedrooms
3
Stories
3
Interior
2,236 sqft
livable area
Lot
1,875 sqft
Basement
Partial, unfinished
city code G
Heat
Forced hot air
city code A
Central air
Yes
Exterior condition
Above average
city code 3
Interior condition
Above average
city code 3
Quality grade
C
assessor's grade
Zoning
RSA5
city zoning code
Zoning appeals
1
CLOSED · APPROVED · 2015

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

Run the numbers

What owning 164 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.

$553K
20%
6.875%
$1K/mo

When this house last sold (2016) a 30-year mortgage ran about 3.65% — 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 with an optional full-assessment stress test, not a live Tax Center balance.

Block context

164 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: 166 Gay St  ·  168 Gay St

Where this comes from
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)