2026 taxable assessment $109,400 × 1.3998%. Estimate—not a bill or account balance.
OPA also publishes a 2027 assessment of $145,400; it is not the 2026 billed-year value.
Mixed-use report
3705 Germantown Ave
2,745 sqft · CMX4 · built 1900
Absentee individual · assessed $109K (2026) · 2027 OPA assessment $145K. On the 3700 block of Germantown Ave.
Property summary
Assessment$109,4002026 OPA assessment · 2027: $145,400
Last sale—No sale value available
Est. tax bill$1,531/year2026 taxable assessment × 1.3998%
Tax delinquencyNo 2022 matchNot proof account is current
Permits0Every fetched City permit
Violations0 open16 historical across 3 cases
“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 8712003002026 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 recordHistory
Why it mattersInspection passed (2005); 2 L&I violations (2008); L&I: 1 failed, 1 passed (2008); 13 L&I violations (2024); Inspection failed ×4 (2024); L&I violation (2025); L&I: 3 failed, 1 passed (2025).
View supporting records →"Built 1900" is usually a placeholder
Why it mattersPhiladelphia records use 1900 as a stand-in when the real construction year was never documented. Treat the age as unknown, not as 120+ years.
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
- Schwartz Michael David
- Tax mailing address
- 720 CASTLEWOOD DRIVE, DRESHER PA, 19025
- L&I district
- NORTH
- Building ID (BIN)
- 1207058
- OPA account
- 871200300
Permits0No match
Violation cases316 violation records · 0 open
Investigations118 failed · 3 passed · 0 closed
Building certifications1Latest result: Certified
Business licenses32 active
Appeals0No match
PermitsPermit number, issued date, work and City status0
No permits matched this parcel in the fetched City dataset.
Violation cases16 individual violation records; resolved history remains visible3
Case 178409CLOSED
STANDARD · Opened Sep 12, 2008 · completed Dec 2, 2008
- CAL LOViolation 1093787Sep 10, 2008 COMPLIED
- RENEW LIC INDICATEDViolation 1093788Sep 10, 2008 COMPLIED
Case CF-2024-105460IN VIOLATION - COURT
NOTICE OF VIOLATION · Opened Sep 24, 2024
- MANUAL FIRE ALARM BOX SIGNS Violation VI-2024-080929Sep 24, 2024 COMPLIED
- FIRE EXTINGUISHERS REQUIRED Violation VI-2024-080898Sep 24, 2024 COMPLIED
- FIRE EXTINGUISHERS Violation VI-2024-080899Sep 24, 2024 COMPLIED
- FIRE EXTINGUISHER HANGERS & BRACKETS Violation VI-2024-080900Sep 24, 2024 COMPLIED
- PERIODIC TESTING Violation VI-2024-080902Sep 24, 2024 CLOSED
- FIRE PROTECTION SYSTEMS Violation VI-2024-080905Sep 24, 2024 COMPLIED
- FIRE ALARM/DETECTION SYSTEMS Violation VI-2024-080906Sep 24, 2024 COMPLIED
- EXTENSION CORDS Violation VI-2024-080909Sep 24, 2024 COMPLIED
- MULTIPLUG ADAPTORS Violation VI-2024-080914Sep 24, 2024 COMPLIED
- INSPECTION, TESTING & MAINTENANCE Violation VI-2024-080922Sep 24, 2024 COMPLIED
- HANDRAILS & GUARDSViolation VI-2024-080923Sep 24, 2024 COMPLIED
- EXIT SIGN ILLUMINATION Violation VI-2024-080925Sep 24, 2024 COMPLIED
- UNAPPROVED CONDITIONS Violation VI-2024-080927Sep 24, 2024 COMPLIED
Case CF-2025-012664CLOSED
NOTICE OF VIOLATION · Opened Feb 26, 2025 · completed Apr 7, 2025
- PERIODIC TESTING Violation VI-2025-009861Feb 25, 2025 COMPLIED
InvestigationsEvery inspector visit, including CLOSED outcomes11
BC INSPCase 54762
Nov 29, 2005 PASSED
BC INSPCase 178409
Sep 10, 2008 FAILED
BC INSPCase 178409
Nov 26, 2008 PASSED
L&I investigationCase CF-2024-105460
Sep 24, 2024 FAILED
L&I investigationCase CF-2024-105460
Oct 7, 2024 FAILED
L&I investigationCase CF-2024-105460
Nov 1, 2024 FAILED
L&I investigationCase CF-2024-105460
Dec 12, 2024 FAILED
L&I investigationCase CF-2024-105460
Feb 6, 2025 FAILED
L&I investigationCase CF-2024-105460
Feb 26, 2025 FAILED
L&I investigationCase CF-2025-012664
Feb 26, 2025 FAILED
L&I investigationCase CF-2025-012664
Apr 7, 2025 PASSED
Building certificationsInspection result and filed expiration date by L&I building ID1
Fire Alarm CertificationCertification BC-2025-004854
Inspected Feb 26, 2025 Certified Expires Feb 26, 2026
Business licensesHistorical and active licenses are both retained3
RentalLicense 224809
EUGENE/MARLENE SCHWARTZ
Revenue code 3202 · First issued Mar 13, 2003 Inactive Expiration Feb 29, 2004 Inactive Jun 29, 2005
Food Preparing and ServingLicense 203317
DUNKIN' DONUTS
Revenue code 3120 · First issued Apr 23, 2004 Active Expiration Apr 30, 2027
Dumpster License - Private PropertyLicense 669327
NORTHEAST DONUT SHOP MGMT CORP (DUNKIN DONUTS)
Revenue code 3230 · First issued Jun 25, 2015 Active
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.
2 resolve before relying
5 verify
1 favorable dated record
Resolve before relyingZoning approval is not the occupancy fileThe record identifies more than one dwelling/use.
Why it mattersPhiladelphia says a zoning approval or Property Sales Certification can identify a use without proving that it was established under the Building Code. A change of use, unit count, exits, or fire rating can require a Building Permit and Certificate of Occupancy.
Verify nextVerify the lawful use, unit count, associated construction permits, and Certificate of Occupancy with L&I.
Open the controlling City guidance ↗Resolve before relyingA life-safety certification appears expiredFire Alarm Certification: Certified through Feb 26, 2026
Why it mattersFire-protection certifications apply to the named system and inspection period only; they are not a whole-building safety certificate. Philadelphia generally requires annual sprinkler, standpipe, fire-alarm, special-hazard, and emergency-power inspections where those systems exist.
Verify nextRequest the correction/reinspection and current filed certificate.
Open the controlling City guidance ↗VerifyResidential and business space run on separate compliance tracksOPA classifies this parcel as mixed-use.
Why it mattersThe zoning/use and occupancy file must cover the actual residential and commercial spaces. Dwelling units can require Rental Licenses and lead compliance; the operator can separately need an Activity License and sector license; installed fire systems can require annual certification.
Verify nextMatch every dwelling and business use to the zoning permit, CO, current operator licenses, and life-safety filings.
Open the controlling City guidance ↗VerifyResidential form does not establish rental useOPA classifies the parcel as mixed-use; no active Rental License row matched.
Why it mattersA multi-unit or mixed-use classification does not prove that space is currently rented. If dwelling space is rented, Philadelphia generally requires a current Rental License and related occupancy, tax, violation, and lead compliance.
Verify nextConfirm actual occupancy first; if any unit is rented, verify the license and legal unit count with L&I.
Open the controlling City guidance ↗VerifyFailed inspections are dated events—not the current condition8 failed, 3 passed, and 0 CLOSED investigation outcomes are in the fetched history; the latest dated visit was PASSED on Apr 7, 2025.
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 ↗VerifyThe latest nominal transfer is not a market sale—or a title opinionThe latest deed in the assembled record moved for nominal consideration and appears related-party/family-held.
Why it mattersA $1 or nominal deed can be a valid family, estate, or entity transfer. It does not establish a sale price, clear title, or by itself prove a tangled title.
Verify nextRead the recorded deed and have the title search confirm every grantor, grantee, estate/probate step, lien, and authority to sell.
Open the controlling City guidance ↗VerifyA separate Commercial Trash account may applyOPA classifies the parcel as mixed-use. BlockReport does not receive a current Commercial Trash account balance.
Why it mattersPhiladelphia charges qualifying small commercial, mixed-use, and multi-unit properties that use City collection; exemptions and private collection can change applicability. A use category alone does not prove a fee is due.
Verify nextCheck the Commercial Trash account inside the date-effective Property Payoff.
Open the controlling City guidance ↗Favorable dated recordNo open violation; closed history remains relevantThe fetched record shows 0 open and 16 historical violations across 3 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.
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 1900: 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.
The last transfer used nominal consideration
The latest deed records $100 or less and shared-name parties. That is not a usable market-sale price and can reflect a family, estate, gift, correction, or entity transfer. Inspect the deed and order a title search rather than inferring the relationship or chain.
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 building 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
$109,400
2026 billed-year assessment · 2027: $145,400 · built 1900
Price / sq ft
$53
block $53 · in line w/ block
Appreciation
-16%
-2%/yr, city 6.5%
In 5 years (~2031)
~$145K
-2%/yr own pace held 5 yrs — extrapolation, not a forecast
Est. tax bill / yr
$1,531
1.05% effective
Jun 2022 tax snapshot
No match
not proof the account is current
Gross yield
7.1%
≈$859/mo rent
Times sold
0
latest deed has shared-name parties
Value vs. the block, over time — sales, permits & L&I events marked on the line
This houseBlock median & rangeL&I violationPermit
The paper trail
HistoryInspection passed (2005); 2 L&I violations (2008); L&I: 1 failed, 1 passed (2008); 13 L&I violations (2024); Inspection failed ×4 (2024); L&I violation (2025); L&I: 3 failed, 1 passed (2025).
- 2005 Inspection passedL&I visit
- 2008 2 L&I violationsL&IL&I: 1 failed, 1 passedL&I visit
- 2024 13 L&I violationsL&IInspection failed ×4L&I visit
- 2025 L&I violationL&IL&I: 3 failed, 1 passedL&I visit
Flags: latest deed has shared-name parties — relationship unverified. 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.
Interior
2,745 sqft
livable area
Lot
1,187 sqft
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
CMX4
city zoning code
OPA field-assessment attributes. Condition and grade are the assessor's codes, not an inspection.
Where the record looks off
Places where the city's own paperwork disagrees with itself. These are flags on the data — not problems with the property.
"Built 1900" is usually a placeholder
Philadelphia records use 1900 as a stand-in when the real construction year was never documented. Treat the age as unknown, not as 120+ years.
Run the numbers
What owning 3705 Germantown 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.
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
3705 Germantown Ave sits on the 3700 block of Germantown Ave. Open the block report to compare its parcels, ownership and public-record history.
See the whole block →Next door: 3707 Germantown Ave · 3701-03 Germantown 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, 1:19 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)