2026 taxable assessment $120,580 × 1.3998%. Estimate—not a bill or account balance.
OPA also publishes a 2027 assessment of $742,200; it is not the 2026 billed-year value.
House report
1728 Waterloo St
3 bd · 2 ba · 3 stories · 2,031 sqft · RSA5 · built 2019
Absentee individual · assessed $603K (2026) · 2027 OPA assessment $742K · sold 1×. On the 1700 block of Waterloo St.
Property summary
Assessment$602,9002026 OPA assessment · 2027: $742,200
Last sale—No sale value available
Est. tax bill$1,688/year2026 taxable assessment · full-value scenario $8,439/year · basis and term unverified
Tax delinquencyNo 2022 matchNot proof account is current
Permits3Every fetched City permit
Violations0 open5 historical across 1 case
“Open” reflects records available then historical records keep their source dates estimates are labeled
BlockReport AI · cited public records
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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 1830788102026 OPA taxes $120,580 of $602,900 assessed. The assessment fields alone do not identify a program, approval date, expiration, or buyer eligibility.
See the assessment math →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 recordNew construction
Why it mattersBought for $1.8M in 2016, built new under a 2022 permit (reduced taxable assessment shown).
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
- Donna Ludwig & Robert Ludwig
- Tax mailing address
- —
- L&I district
- CENTRAL EAST
- Building ID (BIN)
- —
- OPA account
- 183078810
Permits3Every dated permit
Violation cases15 violation records · 0 open
Investigations21 failed · 1 passed · 0 closed
Building certifications0No match
Business licenses0No match
Appeals0No match
PermitsPermit number, issued date, work and City status3
Addition and/or AlterationPermit RP-2022-011149
Oct 20, 2022 Completed Completed Nov 1, 2022
For a MAKE SAFE PERMIT - For structural repairs to resolve case #CF-2022-019982. Abutting sidewalk must be closed with fencing a minimum of 6’ in height. Separate Streets Department permit required for sidewalk closure. A Separate permit is required for any additional alterations that are not specifically addressed on case #CF-2022-019982. separate permit required for sprinkler work. In accordance with Code Bulletin PM-1801, a PA professional engineer is required to monitor repairs made under this permit. The engineer must submit a sealed statement to the Department confirming that the structure is in sound condition at completion.
Addition and/or AlterationsPermit MP-2022-005442
Nov 9, 2022 Completed Completed Nov 29, 2022
EZ PERMIT DUCTWORK & WARM-AIR APPLIANCES For the installation of New Ductwork, Registers/Grilles/Diffusers, and Warm-Air Appliances as per attached standards. Deviations from these standards require submission of construction and site plans. Gas line repair ONLY
Addition and/or AlterationPermit EP-2026-005281
Jun 11, 2026 Completed Completed Jun 25, 2026
INSTALL EV CHARGER IN PRIVATE GARAGE FOR RESIDENCE NO OTHER WORK BEING DONE-FISHING WIRES
Violation cases5 individual violation records; resolved history remains visible1
Case CF-2022-019982CLOSED
NOTICE OF VIOLATION · Opened Mar 11, 2022 · completed Nov 1, 2022
- UNSAFE STRUCTUREViolation VI-2022-017143Mar 15, 2022 COMPLIED
- INTERIOR UNSAFE GENERALViolation VI-2022-017144Mar 15, 2022 COMPLIED
- ARCHITECT/ENGINEER SERVICESViolation VI-2022-017145Mar 15, 2022 COMPLIED
- UNSAFE EQUIPMENTViolation VI-2022-017146Mar 15, 2022 COMPLIED
- SYSTEMS OUT OF SERVICE Violation VI-2022-017147Mar 15, 2022 COMPLIED
InvestigationsEvery inspector visit, including CLOSED outcomes2
L&I investigationCase CF-2022-019982
Mar 15, 2022 FAILED
L&I investigationCase CF-2022-019982
Nov 1, 2022 PASSED
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 retained0
No business licenses matched this parcel in the fetched City dataset.
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.
1 resolve before relying
2 verify
Resolve before relyingAn unsafe-building history still deserves the repair fileThe fetched record shows 0 open and 5 historical violations across 1 case.
Why it mattersThe aggregate currently shows zero open violations, so a historical unsafe/imminently-dangerous row is not a current hazard finding. The repair or demolition permit, final inspection, and case closure are the evidence that resolves the former designation.
Verify nextReview the Make Safe/repair permit, final inspection, and case closure.
Open the controlling City guidance ↗VerifyFailed inspections are dated events—not the current condition1 failed, 1 passed, and 0 CLOSED investigation outcomes are in the fetched history; the latest dated visit was PASSED on Nov 1, 2022.
Why it mattersA PASSED or FAILED value applies to that inspection visit. CLOSED is a separate source status; none of the three alone proves the parent permit or violation case closed—or describes today’s condition.
Verify nextOpen the parent case/permit for each material failure and confirm its later disposition.
Open the controlling City guidance ↗VerifyA reduced taxable assessment is not a verified abatementOPA’s numeric assessment fields show a reduced taxable assessment; BlockReport has no official program determination for this parcel.
Why it mattersThe numeric treatment can reflect an improvement abatement or another exemption. It does not identify the ordinance, approval, start or end date, or continuation requirements after a transfer. Once OPA verifies a specific active abatement, many common programs attach the benefit to the property for the remaining term rather than ending automatically at sale, but some require a new-owner filing and continued qualifying use or tax compliance.
Verify nextObtain the OPA exemption/abatement determination and history, then underwrite the buyer’s bill from the verified program terms.
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.
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
Verify the current tax bill and exemption
The 2026 taxable assessment implies about $1,688/yr, while applying the same rate to the full assessment would imply about $8,439/yr — $6,751/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’re the landlord
If it is rented, verify the Rental License
The fetched license records do not show an active Rental License. Ownership type or a tax mailing address does not prove that tenants occupy the property; if it is rented, verify the current license and legal occupancy in eCLIPSE.
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
$602,900
2026 billed-year assessment · 2027: $742,200 · built 2019
Price / sq ft
$365
block $281 · above block
Appreciation
-13%
-7%/yr, city 6.5%
In 5 years (~2031)
~$740K
-7%/yr own pace held 5 yrs — extrapolation, not a forecast
Est. tax bill / yr
$1,688
0.23% effective, reduced taxable assessment
Jun 2022 tax snapshot
No match
not proof the account is current
Gross yield
2.9%
≈$2K/mo rent
Times sold
1
Value vs. the block, over time — sales, permits & L&I events marked on the line
This houseBlock median & rangeLand buyL&I violationPermit
The paper trail
New constructionBought for $1.8M in 2016, built new under a 2022 permit (reduced taxable assessment shown).
- 2016 $1.8MLand buy
- 2022 5 L&I violations incl UNSAFE STRUCTUREL&IL&I: 1 failed, 1 passedL&I visitAddition and/or AlterationPermitAddition and/or AlterationsPermit
- 2026 Addition and/or AlterationPermit
Flags: material assessment exemption — legal basis and term unverified. Informational only — not investment advice or a consumer report (FCRA).
The assessment exemption gap
OPA's 2026 taxable assessment implies about $1,688/year. Applying the same 1.3998% rate to the full assessed value would imply ~$8,439/year — $6,751/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.
2026: ($602,900 assessed − $482,311 exempt) × 1.3998% ≈ $1,688/yr
full-assessment scenario: $602,900 × 1.3998% ≈ $8,439/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
Bathrooms
2
Stories
3
Interior
2,031 sqft
livable area
Lot
1,024 sqft
Heat
Forced hot air
city code A
Central air
Yes
Garage
1 space
Exterior condition
Newer construction
city code 1
Newer construction
Interior condition
Newer construction
city code 1
Newer construction
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 1728 Waterloo 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
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
1728 Waterloo St sits on the 1700 block of Waterloo St. Open the block report to compare its parcels, ownership and public-record history.
See the whole block →Next door: 1726 Waterloo St · 1730 Waterloo 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, 6:23 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)