House report

2109 Earp St

3 bd · 1 ba · 2 stories · 840 sqft · RSA5 · built 1923

Owner-occupied · assessed $271K · sold 2×. On the 2100 block of Earp St.

Street view of 2109 Earp St — From the street — imagery © Google

From above — imagery © Esri, Maxar

Property summary

Assessment$271KCity assessed value Last sale$220KRecorded 2020 Est. taxes$4K/yearAnnual city record Permits7Shown in this report ViolationsNone openNo open L&I cases

What stands out

From the public record

Finding

Renovated & sold on

Why it matters

Bought for $220K in 2020, electrical permit in 2016, sold for $220K in 2020 (+610%).

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 1923: 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.

If you own it

$1,399/yr may be unclaimed

This home reads owner-occupied but shows no Homestead Exemption, which removes $100,000 from the taxable assessment (worth up to $1,399/yr). Applying through the City is free and takes minutes.

$1,931 in back taxes on record

Interest and penalties keep compounding until a Revenue payment agreement is in place — an owner-occupant agreement also stops the sheriff-sale track.

If you’re the landlord

Lead certificate is not optional

Built 1923: every rental unit needs a lead-safe or lead-free certificate on file with the City. Without one: fines up to $2,000/day per unit, tenants may withhold rent, courts can order rent refunded — and no eviction will stand.

Licensed rental — keep it that way

Renewal requires city tax clearance and zero open L&I violations on the property. A lapsed license suspends the right to collect rent or evict.

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 record to dig into any number.

Assessed value

$271K

built 1923

Price / sq ft

$322

block $257 · above block

Appreciation

+151%

+9%/yr, city 6.5%

In 5 years (~2031)

~$272K

+9%/yr own pace held 5 yrs — extrapolation, not a forecast

Est. tax / yr

$4K

1.4% effective

Gross yield

6.1%

≈$1K/mo rent

Times sold

kept in the family

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

This houseBlock median & rangeSaleL&I violationPermitInspection

The paper trail

Renovated & sold on

Bought for $220K in 2020, electrical permit in 2016, sold for $220K in 2020 (+610%).

2015 Inspection failed ×3L&I visit
2016 ElectricalPermitMechanicalPermitPlumbingPermitMajor alterationPermit10 L&I violations incl UNSAFE STRUCTUREL&IMajor alterationPermitL&I: 3 failed, 2 passedL&I visitElectricalPermitMechanicalPermit
2017 Inspection passedL&I visit
2020 $220KSold

Flags: active rental license · $2K back taxes (2016, $42 of it interest & penalties) · long-held within one family. Informational only — not investment advice or a consumer report (FCRA).

The house, on paper

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

Bedrooms

Bathrooms

Stories

Interior

840 sqft

livable area

Lot

814 sqft

Basement

Full, finished

city code A

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

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 2109 Earp 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.

Purchase price$271K

Down payment20%

Mortgage rate6.875%

Monthly rent$1K/mo

When this house last sold (2020) a 30-year mortgage ran about 3.1% — 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.

Block context

2109 Earp St sits on the 2100 block of Earp St. Open the block report to compare its parcels, ownership and public-record history.

See the whole block →

Next door: 2111 Earp St · 2113 Earp 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
Back taxes & liens — Real Estate Tax Balances, Dept. of 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

Methodology & freshness

City datasets are fetched live from OpenDataPhilly (phl.carto.com) and cached briefly. Dossiers re-pull automatically — on view once they're a few weeks old, plus a nightly rolling sweep — and citywide benchmarks recompute weekly. AI-written passages are generated from these records only and rejected if they state a number the record doesn't hold.

BlockReport AICited city records

Ask a cited due-diligence question about this property. BlockReport connects the public record - deeds, permits, violations, taxes, ownership, and comparable context - then explains what matters. Try 3 deep research questions with no card or account required.

About this data & fine print

Answers are generated by an AI agent querying City of Philadelphia open data at the moment you ask: OPA property assessments, Recorder of Deeds transfer records, L&I permits, violations & licenses, Dept. of Revenue tax balances, Zoning Board appeals, Police incident reports, Philly311 requests, and School District of Philadelphia catchment and school data.

City data is published as-is and can lag, contain errors, or be corrected later; school performance datasets run years behind and are labeled with their school year. AI answers can contain mistakes — verify anything that matters against the official record (property.phila.gov, atlas.phila.gov) before acting on it.

Informational only. Not legal, financial, or investment advice. Not a consumer report under the FCRA — it may not be used to decide anyone's eligibility for housing, tenancy, employment, credit, or insurance.

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

2109 Earp St

Property summary

What stands out

Renovated & sold on

What to do with this

If you’re buying

If you own it

If you’re the landlord

The investment read

The paper trail

The house, on paper

Run the numbers

Block context

Where this comes from

This is 2109 Earp St,
on paper.

The whole record is free.

What to catch on the way down.