2026 taxable assessment $121,500 × 1.3998%. Estimate—not a bill or account balance.
OPA also publishes a 2027 assessment of $134,000; it is not the 2026 billed-year value.
House report
2635 Lloyd St
3 bd · 1 ba · 2 stories · 1,024 sqft · RM1 · built 1925
Owner-occupied · assessed $122K (2026) · 2027 OPA assessment $134K · sold 1×. On the 2600 block of Lloyd St.
Property summary
Assessment$121,5002026 OPA assessment · 2027: $134,000
Last sale$27KRecorded 2013
Est. tax bill$1,701/year2026 taxable assessment × 1.3998%
Tax delinquencyNo 2022 matchNot proof account is current
Permits6Every fetched City permit
Violations0 open16 historical across 6 cases
“Open” reflects records available then historical records keep their source dates estimates are labeled
BlockReport AI · cited public records
Ask the questions this record raises.
These curated questions are free. Choose one to open its cited answer.
Question or correct this record
BlockReport can explain a discrepancy, but it cannot rewrite an official City record. Use the agency that owns the underlying fact:
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 4040146002026 taxable assessment equals the full assessed value.
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 recordImproved
Why it mattersBought for $27K in 2013. Owner pulled a administrative permit in 2015.
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
- David M Sumo
- Tax mailing address
- 2635 LLOYD ST, PHILADELPHIA PA, 19153
- L&I district
- SOUTH
- Building ID (BIN)
- —
- OPA account
- 404014600
Permits6Every dated permit
Violation cases616 violation records · 0 open
Investigations2012 failed · 3 passed · 5 closed
Building certifications0No match
Business licenses0No match
Appeals0No match
PermitsPermit number, issued date, work and City status6
PlumbingPermit 522355
Mar 4, 2014 COMPLETED Completed Nov 19, 2014
REPLACE WATER SUPPLY PIPING IN THE BASEMENT, (1)WATER CLOSET, (1)LAVATORY - INSTALL A VENT ON KITCHEN DRAIN
ElectricalPermit 522380
Mar 4, 2014 COMPLETED Completed Jul 30, 2014
CHANGE OUT PANEL BOX FROM FUSE TYPE TO BREAKERS PANEL & INSTALL 100AMP PANEL AS PER NEC 2008 (SFD)
Major alterationPermit 534940
May 30, 2014 COMPLETED Completed Dec 5, 2014
INTERIOR ALTERATIONS. SFD
AlterationPermit 548513
Jul 10, 2014 COMPLETED Completed Aug 18, 2014
STUCCO FRONT OF PROPERTY
MechanicalPermit 574763
Nov 17, 2014 COMPLETED Completed May 21, 2015
REPLACE GAS FURNACE.COLEMAN MODEL#TG8S080C16.
AdministrativePermit 613759
May 29, 2015 COMPLETED Completed Jun 16, 2015
CERTIFICATION STATEMENT FOR A RESIDENTIAL UNIT OCCUPIED BY NOT MORE THAN THREE (3) PEOPLE UNRELATED BY BLOOD, MARRIAGE OR ADOPTION. MUST COMPLY WITH THE PHILADELPHIA FIRE CODE AND PHILADELPHIA PROPERTY MAINTENANCE CODE
Violation cases16 individual violation records; resolved history remains visible6
Case 188473CLOSED
STANDARD · Opened Dec 24, 2008 · completed Jul 9, 2009
- EXT A-CLEAN WEEDS/PLANTSViolation 1386204Dec 23, 2008 CLOSEDCASE
- EXT S-CORNICE BARGEBOARD DEFECViolation 1386203Dec 23, 2008 CLOSEDCASE
- VACANT PROP STANDARDViolation 1386202Dec 23, 2008 CLOSEDCASE
- LICENSE-VAC RES BLDGViolation 1386201Dec 23, 2008 CLOSEDCASE
Case 239126CLOSED
STANDARD · Opened Jun 14, 2010 · completed Jun 26, 2012
- VACANT PROP STANDARDViolation 1868361Jun 11, 2010 COMPLIED
- LICENSE-VAC RES BLDGViolation 1868362Jun 11, 2010 COMPLIED
Case 335476CLOSED
STANDARD · Opened Jun 26, 2012
- LICENSE-RES GENERALViolation 2608840Jun 26, 2012 CLOSEDCASE
Case 386191CLOSED
STANDARD · Opened Jun 17, 2013
- LICENSE-VAC RES BLDGViolation 3392538Jun 14, 2013 CLOSEDCASE
Case 418313CLOSED
CONSTRUCTION SERVICES · Opened Feb 6, 2014 · completed Aug 5, 2014
- PERMB- ALTER REPAIR INT PARTViolation 3191120Feb 5, 2014 COMPLIED
- PERME- INST/REPL/REPAIR WIREViolation 3191121Feb 5, 2014 COMPLIED
- PERMP- ALTER/REPAIR/REPL PLUMBViolation 3191122Feb 5, 2014 COMPLIED
- SWO- CONSTR W/O BLDG PERMITViolation 3191123Feb 5, 2014 COMPLIED
- PENALTY- NO BLDG PERM INFOViolation 3191124Feb 5, 2014 COMPLIED
- PENALTY- NO ELEC PERM INFOViolation 3191125Feb 5, 2014 COMPLIED
- PENALTY- NO PLUMB PERM INFOViolation 3191126Feb 5, 2014 COMPLIED
Case 534940CLOSED
Opened Date unavailable
- PERMB- WK DONE W/O NOTIFY INSPViolation 3249423Jul 9, 2014 RESOLVE
InvestigationsEvery inspector visit, including CLOSED outcomes20
BRU INSPCase 188473
Dec 23, 2008 FAILED
BRU INSPCase 188473
May 5, 2009 FAILED
BRU INSPCase 188473
May 5, 2009 CLOSED
PRECOURTCase 188473
Jul 9, 2009 CLOSED
HCEU INSPCase 239126
Jun 11, 2010 FAILED
HCEU INSPCase 239126
Oct 28, 2010 FAILED
HCEU INSPCase 335476
Jun 25, 2012 FAILED
HCEU INSPCase 239126
Jun 26, 2012 PASSED
BRU INSPCase 205927
Jun 26, 2012 PASSED
HCEU INSPCase 335476
Sep 6, 2012 FAILED
HCEU INSPCase 335476
Oct 15, 2012 CLOSED
HCEU INSPCase 386191
Jun 15, 2013 FAILED
HCEU INSPCase 386191
Nov 21, 2013 FAILED
BP_BLDGCase 418313
Feb 6, 2014 FAILED
HCEU INSPCase 386191
Feb 25, 2014 CLOSED
BP_BLDGCase 418313
Mar 13, 2014 FAILED
BP_BLDGCase 418313
May 23, 2014 CLOSED
PRECOURTCase 418313
Jun 18, 2014 PASSED
PRECOURTCase 386191
Nov 4, 2014 FAILED
PRECOURTCase 386191
Nov 13, 2014 FAILED
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 verify
1 favorable dated record
VerifyFailed inspections are dated events—not the current condition12 failed, 3 passed, and 5 CLOSED investigation outcomes are in the fetched history; the latest dated visit was FAILED on Nov 13, 2014.
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 ↗Favorable dated recordNo open violation; closed history remains relevantThe fetched record shows 0 open and 16 historical violations across 6 cases.
Why it mattersA closed case is materially better than an open one, but it does not by itself prove that every altered use, unit, or concealed condition matches today’s approvals.
Verify nextUse the closed cases to target the inspection and occupancy-file review.
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.
Records to verify together
Rule-based groupings across this property's dated public records. Each flag shows the records that belong in the same verification step and where the inference stops.
Assessment/permit mismatch
The assessment jumped 177% in 2025, but no matching permit appears in the property timeline.
Evidence: assessment moved from $43,800 to $121,500 · no permit shown in 2024-2026
Limit: Not proof of unpermitted work; reassessment, corrected data, or a permit under another parcel can also explain it.
Transparent record rules, not a score or forecast. Each flag is a prompt to verify the cited records, not a prediction or allegation.
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 1925: 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.
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.
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
$121,500
2026 billed-year assessment · 2027: $134,000 · built 1925
Price / sq ft
$131
block $131 · in line w/ block
Appreciation
+17%
+2%/yr, city 6.5%
In 5 years (~2031)
~$134K
+2%/yr own pace held 5 yrs — extrapolation, not a forecast
Est. tax bill / yr
$1,701
1.27% effective
Jun 2022 tax snapshot
No match
not proof the account is current
Gross yield
-5970149.2%
≈$-667M/mo rent
Times sold
1
Value vs. the block, over time — sales, permits & L&I events marked on the line
This houseBlock median & rangePermit
The paper trail
ImprovedBought for $27K in 2013. Owner pulled a administrative permit in 2015.
- 2012 L&I: 2 failed, 2 passedL&I visit
- 2013 L&I violationL&IInspection failed ×2L&I visit$27KSold
- 2014 PlumbingPermitElectricalPermitMajor alterationPermit8 L&I violationsL&IAlterationPermitL&I: 4 failed, 1 passedL&I visitMechanicalPermit
- 2015 AdministrativePermit
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
3
Bathrooms
1
Stories
2
Interior
1,024 sqft
livable area
Lot
1,120 sqft
Basement
Full, unfinished
city code C
Heat
Forced hot air
city code A
Central air
No
Exterior condition
Average
city code 4
Above averageBelow average
Interior condition
Average
city code 4
Above averageBelow average
Quality grade
C
assessor's grade
ABCDE
Zoning
RM1
city zoning code
OPA field-assessment attributes. Condition and grade are the assessor's codes, not an inspection.
Run the numbers
What owning 2635 Lloyd 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 (2013) a 30-year mortgage ran about 3.98% — 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
2635 Lloyd St sits on the 2600 block of Lloyd St. Open the block report to compare its parcels, ownership and public-record history.
See the whole block →Next door: 2633 Lloyd St · 2637 Lloyd 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, 7:57 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)