2026 taxable assessment $79,858 × 1.3998%. Estimate—not a bill or account balance.
OPA also publishes a 2027 assessment of $383,200; it is not the 2026 billed-year value.
House report
3118 W Montgomery Ave
4 bd · 2 ba · 3 stories · 1,978 sqft · RSA5 · built 1915
Owner-occupancy signal · assessed $395K (2026) · 2027 OPA assessment $383K · sold 2×. On the 3100 block of W Montgomery Ave.
BlockReport AI · cited public records
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Property summary
Assessment$394,9002026 OPA assessment · 2027: $383,200
Last sale$423KRecorded 2020
Est. tax bill$1,118/year2026 taxable assessment · full-value scenario $5,528/year · basis and term unverified
Tax delinquencyNo 2022 matchNot proof account is current
Permits6Every fetched City permit
Violations0 open7 historical across 3 cases
“Open” reflects records available then historical records keep their source dates estimates are labeled
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 3240821012026 OPA taxes $79,858 of $394,900 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
Record summary$72K transfer recorded in 2012; new construction appears in a 2019 permit with a reduced taxable assessment shown, followed by a recorded transfer of $423K in 2020.
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 $1,118/yr, while applying the same rate to the full assessment would imply about $5,528/yr — $4,410/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.
Built 1915: 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
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.
Construction next door (3117 W Montgomery Ave, 2025)
Excavation deeper than 5 feet, or within 10 feet of an adjacent structure, legally requires the developer to survey neighboring homes first and give owners 10 days' written notice. Insist on the pre-construction survey — it is your evidence if cracks appear.
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.
Assessment and tax history
Every fetched annual City assessment for this house, compared with its block and ZIP. The figures show assessment change, the billed-year tax estimate, dated tax records, and recorded transfers. They do not estimate market appreciation or investment return.
Assessed value
$394,900
2026 billed-year assessment · 2027: $383,200 · built 1915
Price / sq ft
$194
block $124 · above block
Assessment change
+1725%
+30%/yr since 2016 · 2027 -3% vs 2026
Est. tax bill / yr
$1,118
0.28% effective, reduced taxable assessment
Jun 2022 tax snapshot
No match
not proof the account is current
Times sold
2
Assessment vs. the block and ZIP · every dated City record marked on the line
- OPA assessment · 2016$21K assessed valueOPA’s value on the City tax roll for that year. It is not an appraisal, listing price, sale price, or live tax balance.How Philadelphia property assessments work ↗
- OPA assessment · 2017$21K assessed valueOPA’s value on the City tax roll for that year. It is not an appraisal, listing price, sale price, or live tax balance.How Philadelphia property assessments work ↗
- OPA assessment · 2018$21K assessed valueOPA’s value on the City tax roll for that year. It is not an appraisal, listing price, sale price, or live tax balance.How Philadelphia property assessments work ↗
- OPA assessment · 2019$22K assessed valueOPA’s value on the City tax roll for that year. It is not an appraisal, listing price, sale price, or live tax balance.How Philadelphia property assessments work ↗
- OPA assessment · 2020$23K assessed valueOPA’s value on the City tax roll for that year. It is not an appraisal, listing price, sale price, or live tax balance.How Philadelphia property assessments work ↗
- OPA assessment · 2021$23K assessed valueOPA’s value on the City tax roll for that year. It is not an appraisal, listing price, sale price, or live tax balance.How Philadelphia property assessments work ↗
- OPA assessment · 2022$450K assessed valueOPA’s value on the City tax roll for that year. It is not an appraisal, listing price, sale price, or live tax balance.How Philadelphia property assessments work ↗
- OPA assessment · 2023$450K assessed valueOPA’s value on the City tax roll for that year. It is not an appraisal, listing price, sale price, or live tax balance.How Philadelphia property assessments work ↗
- OPA assessment · 2024$450K assessed valueOPA’s value on the City tax roll for that year. It is not an appraisal, listing price, sale price, or live tax balance.How Philadelphia property assessments work ↗
- OPA assessment · 2025$395K assessed valueOPA’s value on the City tax roll for that year. It is not an appraisal, listing price, sale price, or live tax balance.How Philadelphia property assessments work ↗
- OPA assessment · 2026$395K assessed valueOPA’s value on the City tax roll for that year. It is not an appraisal, listing price, sale price, or live tax balance.How Philadelphia property assessments work ↗
- OPA assessment · 2027$383K assessed valueOPA’s value on the City tax roll for that year. It is not an appraisal, listing price, sale price, or live tax balance.How Philadelphia property assessments work ↗
- Deed / sale · 2012Deed / sale $72KA recorded real-estate document or transfer event. The amount and date can be useful history, but the underlying deed and transfer-tax filing control the parties, consideration, and legal effect.How to read the recorded document ↗
- Deed / sale · 2020Deed / sale $423KA recorded real-estate document or transfer event. The amount and date can be useful history, but the underlying deed and transfer-tax filing control the parties, consideration, and legal effect.How to read the recorded document ↗
- Permit · 2019-08-15Major alterationA broad legacy permit work category for a substantial building alteration. It can include changed layouts, partitions, fixtures, finishes, structural work, or occupancy-related work, but only the approved scope and plans say what this permit actually authorized; separate trade permits may be required.What Philadelphia building permits can cover ↗
- Permit · 2019-10-04ZoningThis permit category usually covers the property’s allowed use, dimensions, occupancy, or site configuration. The approved scope—not the short category—defines what was authorized, and issuance alone does not prove completion.Philadelphia construction and repair permits ↗
- Permit · 2019-11-01Addition and/or AlterationThis permit category usually covers construction, repair, alteration, addition, or occupancy work. The approved scope—not the short category—defines what was authorized, and issuance alone does not prove completion.Philadelphia construction and repair permits ↗
- Permit · 2019-11-19New ConstructionThis permit category usually covers construction, repair, alteration, addition, or occupancy work. The approved scope—not the short category—defines what was authorized, and issuance alone does not prove completion.Philadelphia construction and repair permits ↗
- Permit · 2019-11-13AlterationsThis permit category usually covers construction, repair, alteration, addition, or occupancy work. The approved scope—not the short category—defines what was authorized, and issuance alone does not prove completion.Philadelphia construction and repair permits ↗
- L&I violation · 2016-03-23EXTERIOR AREA SANITATIONA dated L&I enforcement row. Read the cited code, required correction, status, and later inspections together; the title alone does not establish the property’s current condition.How L&I violations and orders work ↗
- L&I violation · 2016-03-23VACANT AND OPENA dated L&I enforcement row. Read the cited code, required correction, status, and later inspections together; the title alone does not establish the property’s current condition.How L&I violations and orders work ↗
- L&I violation · 2016-03-23EXTERIOR AREA WEEDSA dated L&I enforcement row. Read the cited code, required correction, status, and later inspections together; the title alone does not establish the property’s current condition.How L&I violations and orders work ↗
- L&I violation · 2019-06-08EXTERIOR STRUCT UNSAFE COND 8A dated L&I enforcement row. Read the cited code, required correction, status, and later inspections together; the title alone does not establish the property’s current condition.How L&I violations and orders work ↗
- L&I violation · 2019-06-08EXTERIOR STRUCT UNSAFE COND 4A dated L&I enforcement row. Read the cited code, required correction, status, and later inspections together; the title alone does not establish the property’s current condition.How L&I violations and orders work ↗
- L&I violation · 2019-06-08UNSAFE STRUCTUREA dated L&I enforcement row. Read the cited code, required correction, status, and later inspections together; the title alone does not establish the property’s current condition.How L&I violations and orders work ↗
- L&I violation · 2019-10-16SWO- CONSTR W/O BLDG PERMIT (Stop-work order for construction without a building permit)Stop-work order for construction without a building permitHow L&I violations and orders work ↗
- Inspection · 2006-09-26CSUINITIALA dated L&I visit or review. Its type describes the inspection program; the separate result and later rows show whether that visit passed, failed, or led to follow-up.What Philadelphia inspections check ↗
- Inspection · 2016-05-11HCEU INSP (Housing Code Enforcement Unit inspection)A legacy L&I inspection label. The unit inspected housing for property-maintenance, fire-prevention, and related code compliance; the separate status says how that visit ended.What Philadelphia inspections check ↗
- Inspection · 2019-09-27CSUINITIALA dated L&I visit or review. Its type describes the inspection program; the separate result and later rows show whether that visit passed, failed, or led to follow-up.What Philadelphia inspections check ↗
- Inspection · 2019-11-05BP_BLDGA dated L&I visit or review. Its type describes the inspection program; the separate result and later rows show whether that visit passed, failed, or led to follow-up.What Philadelphia inspections check ↗
- License · 2015-05-12Vacant Residential Property / LotA City license record tied to an activity or property use. Its issue, expiration, inactive, and status fields—not the category alone—show what was recorded for this date.Philadelphia L&I licenses and property records ↗
- License · 2017-12-18Vacant Residential Property / LotA City license record tied to an activity or property use. Its issue, expiration, inactive, and status fields—not the category alone—show what was recorded for this date.Philadelphia L&I licenses and property records ↗
- License · 2024-09-10RentalA City license record tied to an activity or property use. Its issue, expiration, inactive, and status fields—not the category alone—show what was recorded for this date.Philadelphia L&I licenses and property records ↗
Property assessmentBlock median & rangeZIP 19121 medianAssessmentDeed / saleL&I violationPermitInspectionLicense
Each icon sits on its recorded date; records without a day are labeled and centered within their year. Select one to explain the filing.
Highlight
Every dated record21 events · exact dates, newest first
- LicenseRental
- Deed / saleDeed / sale $423K
- PermitNew Construction
- PermitAlterations
- InspectionBP_BLDG
- PermitAddition and/or Alteration
- L&I violationSWO- CONSTR W/O BLDG PERMIT (Stop-work order for construction without a building permit)
- PermitZoning
- InspectionCSUINITIAL
- PermitMajor alteration
- L&I violationEXTERIOR STRUCT UNSAFE COND 8
- L&I violationEXTERIOR STRUCT UNSAFE COND 4
- L&I violationUNSAFE STRUCTURE
- LicenseVacant Residential Property / Lot
- InspectionHCEU INSP (Housing Code Enforcement Unit inspection)
- L&I violationEXTERIOR AREA SANITATION
- L&I violationVACANT AND OPEN
- L&I violationEXTERIOR AREA WEEDS
- LicenseVacant Residential Property / Lot
- Deed / saleDeed / sale $72K
- InspectionCSUINITIAL
The paper trail
New construction$72K transfer recorded in 2012; new construction appears in a 2019 permit with a reduced taxable assessment shown, followed by a recorded transfer of $423K in 2020.
- 2012 $72KTransfer
- 2016 3 L&I violationsL&IInspection failedL&I visit
- 2019 4 L&I violations incl EXTERIOR STRUCT UNSAFE COND 8L&IL&I: 2 failed, 2 passedL&I visitMajor alterationPermitZoningPermitAddition and/or AlterationPermitNew ConstructionPermitAlterationsPermitNew ConstructionPermit
- 2020 $423KTransfer
Records behind the chart
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.
Browse 25 dated records deeds, permits, inspections, licenses, violations, certifications & appeals
- LicenseRental
License 0960867 · Inactive
William Viss · Expires 2025-09-09 · Inactive 2025-11-08
- Recorded transfer$423K transfer
2020
- PermitNew Construction
Permit 1028354 · Completed
sfd (2) heat pumps and ductwork installation.
- PermitAlterations
Permit 1027092 · Completed
ROUGHIN & FINISH 3-TOILET, 2-TUBS, 3-LAVS, 1-WASHER BOX, 1-KITCHEN SINK & 1-WATER HEATER THE INSTALLATION WILL COMPLY WITH THE PHILADELPHIA PLUMBING CODE 2004
- PermitNew Construction
Permit 1026076 · Completed
FULL ELECTRICAL REWIRE/DEVICES 200AMP SERVICE AS PER 2014 NEC
- InvestigationBP_BLDG
Case 711870 · PASSED
The cited inspection visit was marked passed.
- PermitAddition and/or Alteration
Permit 1014407 · Completed
RENOVATIONS THROUGHOUT SFD, CONSTRUCTION OF NEW DECK AT 3RD FLR REAR AND ROOF DECK ON AN EXISTING ATTACHED STRUCTURE.
- ViolationSWO- CONSTR W/O BLDG PERMIT (Stop-work order for construction without a building permit)
Case 711870 · Violation 5215934 · COMPLIED
City marked this violation complied with; check the resolution date and live case for what was accepted.
- InvestigationBP_BLDG
Case 711870 · FAILED
The cited inspection visit was marked failed; later rows may show follow-up or resolution.
- PermitZoning
Permit 1014405 · COMPLETED
ADDITION OF NEW DECK AT 3RD FLR REAR AND ROOF DECK TO AN EXISTING ATTACHED STRUCTURE.
- InvestigationCSUINITIAL
Case 689475 · PASSED
The cited inspection visit was marked passed.
- PermitMajor alteration
Permit 994228 · COMPLETED
MAKE SAFE PERMIT TO COMPLY WITH UNSAFE VIOLATION #689475 TO INCLUDE REPLACEMENT OF REAR EXTERIOR WALL, NEW FLOOR AND ROOF JOIST, AND REPLACEMENT OF REAR BUMP OUT AS PER APPROVED PLANS. **SEPERATE PERMITS REQUIRED FOR ANY OTHER WORK**
- ViolationEXTERIOR STRUCT UNSAFE COND 8
Case 689475 · Violation 5066810 · COMPLIED
City marked this violation complied with; check the resolution date and live case for what was accepted.
- ViolationEXTERIOR STRUCT UNSAFE COND 4
Case 689475 · Violation 5066809 · COMPLIED
City marked this violation complied with; check the resolution date and live case for what was accepted.
- ViolationUNSAFE STRUCTURE
Case 689475 · Violation 5066808 · COMPLIED
City marked this violation complied with; check the resolution date and live case for what was accepted.
- InvestigationCSUINITIAL
Case 689475 · FAILED
The cited inspection visit was marked failed; later rows may show follow-up or resolution.
- LicenseVacant Residential Property / Lot
License 760140 · Inactive
KDM PHA LLC · Expires 2020-12-17 · Inactive 2021-02-15
- InvestigationHCEU INSP (Housing Code Enforcement Unit inspection)
Case 524994 · CLOSED
A legacy L&I inspection label. The unit inspected housing for property-maintenance, fire-prevention, and related code compliance; the separate status says how that visit ended. City marked the record closed; open the case for the closing reason.
- ViolationEXTERIOR AREA SANITATION
Case 524994 · Violation 3877343 · CLOSEDCASE
City marked the case closed; that does not mean the original condition never existed.
- ViolationVACANT AND OPEN
Case 524994 · Violation 3877342 · CLOSEDCASE
City marked the case closed; that does not mean the original condition never existed.
- ViolationEXTERIOR AREA WEEDS
Case 524994 · Violation 3877344 · CLOSEDCASE
City marked the case closed; that does not mean the original condition never existed.
- InvestigationHCEU INSP (Housing Code Enforcement Unit inspection)
Case 524994 · FAILED
A legacy L&I inspection label. The unit inspected housing for property-maintenance, fire-prevention, and related code compliance; the separate status says how that visit ended. The cited inspection visit was marked failed; later rows may show follow-up or resolution.
- LicenseVacant Residential Property / Lot
License 664207 · Inactive
SPINA JOSEPH · Expires 2017-05-31 · Inactive 2017-07-30
- Recorded transfer$72K transfer
2012
- InvestigationCSUINITIAL
Case 81446 · CLOSED
City marked the record closed; open the case for the closing reason.
What this record suggests
The City file documents 6 permits touching kitchen work, electrical work, plumbing, roof work. 6 carries a completed, issued, or approved status; that documents the filing, not the present quality of the work.
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 $1,118/year. Applying the same 1.3998% rate to the full assessed value would imply ~$5,528/year — $4,410/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: ($394,900 assessed − $315,031 exempt) × 1.3998% ≈ $1,118/yr
full-assessment scenario: $394,900 × 1.3998% ≈ $5,528/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
4
Bathrooms
2
Stories
3
Interior
1,978 sqft
livable area
Lot
1,505 sqft
Basement
Full, finished
city code A
Heat
Forced hot air
city code A
Central air
Yes
Exterior condition
New / rehabbed
city code 2
New / rehabbed
Interior condition
New / rehabbed
city code 2
New / rehabbed
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 3118 W Montgomery Ave 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 (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
Estimated cash needed
—
down + 4% planning allowance
Modeled cash flow
—
rent − shown costs · /mo
Modeled cap rate
—
modeled NOI ÷ price
Modeled cash-on-cash
—
modeled year-1 return
Scenario for orientation, not advice. Assumes a 30-year fixed loan, $1,400/yr insurance, 1% of price/yr maintenance, and buyer cash equal to the down payment plus 4%. Taxes use this parcel's taxable assessment with an optional full-assessment stress test, not a live Tax Center balance. Cash flow and returns exclude vacancy, management, utilities, HOA or condo fees, leasing costs, income tax, and unplanned capital work.
Block context
3118 W Montgomery Ave sits on the 3100 block of W Montgomery Ave. Open the block report to compare its parcels, ownership and public-record history.
See the whole block →Next door: 3116 W Montgomery Ave · 3120 W Montgomery Ave
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, 5:11 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)