2026 taxable assessment $88,500 × 1.3998%. Estimate—not a bill or account balance.
OPA also publishes a 2027 assessment of $108,500; it is not the 2026 billed-year value.
Mixed-use report
3809 Germantown Ave
2,467 sqft · CMX2.5 · built 1940
Owner-occupied · assessed $89K (2026) · 2027 OPA assessment $109K · sold 1×. On the 3800 block of Germantown Ave.
Property summary
Assessment$88,5002026 OPA assessment · 2027: $108,500
Last sale$16KRecorded 2000 · later nominal deed
Est. tax bill$1,239/year2026 taxable assessment × 1.3998%
Tax delinquency$12KCity snapshot · Jun 2022
Permits0Every fetched City permit
Violations0 open4 historical across 2 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.
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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 8710835502026 taxable assessment equals the full assessed value.
Historical delinquency sources Record found
$11,805.22 was recorded for this parcel in Philadelphia's June 2022 delinquency snapshot for 2012–2021. That amount may have been paid, reduced, or increased since; it is not a current payoff figure.
$5,984.27 principal$3,268.79 interest$815.05 penalty$1,737.11 other charges
The snapshot’s 2022 context used $99,600 total assessment, $99,600 taxable, and $0 exempt/abated. Those historical fields can differ from today’s OPA exemption status.
A separate historical parcel ledger ending in 2016 records $6,983.87 and a lien entry. It is shown as historical context only.
2012$350.44 total · $0.00 principal · $196.45 interest · $82.61 penalty2013$566.39 total · $233.63 principal · $156.12 interest · $70.24 penalty2014$2,128.68 total · $1,357.52 principal · $264.72 interest · $95.03 penalty2015$2,181.22 total · $1,499.39 principal · $157.44 interest · $104.96 penalty2016$1,793.70 total · $1,566.31 principal · $23.50 interest · $15.66 penalty
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 matterssold $16K (2000); 3 L&I violations (2025); Inspection failed (2025); L&I violation (2026); L&I: 1 failed, 1 passed (2026).
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 1940: 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. 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 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.
$6,984 in the historical tax ledger through 2016
Historical context only, not a current payoff figure; that ledger also contains a lien entry. Verify today's balance and lien status directly with Philadelphia Revenue before relying on it.
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
$88,500
2026 billed-year assessment · 2027: $108,500 · built 1940
Price / sq ft
$44
block $49 · below block
Appreciation
-9%
-1%/yr, city 6.5%
In 5 years (~2031)
~$108K
-1%/yr own pace held 5 yrs — extrapolation, not a forecast
Est. tax bill / yr
$1,239
1.14% effective
Jun 2022 tax snapshot
$12K
recorded then · verify current
Gross yield
11.6%
≈$1K/mo rent
Times sold
1
Assessment vs. the block · every dated City record marked on the line
- OPA assessment · 2016$97K 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$97K 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$96K 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$99K 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$100K 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$100K 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$100K 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$101K 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$101K 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$89K 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$89K 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 · 2000Deed / sale $16KA 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 ↗
- L&I violation · 2025-08-13VACANT STRUCTURE & LANDA 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 · 2025-08-13DOOR AND WINDOW VACANTA 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 · 2025-08-13VACANT STRUCTURE LICENSEA 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 ↗
- Inspection · 2025-08-13L&I investigationA 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 ↗
- L&I violation · 2026-04-28VACANT STRUCTURE LICENSEA 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 ↗
- Inspection · 2026-04-28L&I investigationA 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 ↗
- Certification · 2025-11-04Fire Alarm CertificationA filed inspection or certification for a regulated building system or component. Check the result, expiration date, and latest filing before treating it as current.What Philadelphia inspections check ↗
Assessment lineBlock median & rangeAssessmentDeed / saleL&I violationInspectionCertification
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 record8 events · exact dates, newest first
- L&I violationVACANT STRUCTURE LICENSE
- InspectionL&I investigation
- CertificationFire Alarm Certification
- L&I violationVACANT STRUCTURE & LAND
- L&I violationDOOR AND WINDOW VACANT
- L&I violationVACANT STRUCTURE LICENSE
- InspectionL&I investigation
- Deed / saleDeed / sale $16K
The paper trail
Historysold $16K (2000); 3 L&I violations (2025); Inspection failed (2025); L&I violation (2026); L&I: 1 failed, 1 passed (2026).
- 2000 $16KSold
- 2025 3 L&I violationsL&IInspection failedL&I visit
- 2026 L&I violationL&IL&I: 1 failed, 1 passedL&I visit
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 9 dated records deeds, permits, inspections, licenses, violations, certifications & appeals
- ViolationVACANT STRUCTURE LICENSE
Case CF-2026-042730 · Violation VI-2026-025733 · SVN ISSUED
- InvestigationL&I investigation
Case CF-2025-085577 · PASSED
The cited inspection visit was marked passed.
- InvestigationL&I investigation
Case CF-2026-042730 · FAILED
The cited inspection visit was marked failed; later rows may show follow-up or resolution.
- CertificationFire Alarm Certification
Certification BC-2025-028945 · Certified
Expires 2026-11-04
- ViolationVACANT STRUCTURE & LAND
Case CF-2025-085577 · Violation VI-2025-060982 · COMPLIED
City marked this violation complied with; check the resolution date and live case for what was accepted.
- ViolationDOOR AND WINDOW VACANT
Case CF-2025-085577 · Violation VI-2025-060983 · COMPLIED
City marked this violation complied with; check the resolution date and live case for what was accepted.
- ViolationVACANT STRUCTURE LICENSE
Case CF-2025-085577 · Violation VI-2025-060984 · CLOSED
City marked the record closed; open the case for the closing reason.
- InvestigationL&I investigation
Case CF-2025-085577 · FAILED
The cited inspection visit was marked failed; later rows may show follow-up or resolution.
- Recorded transfer$16K transfer
2000
What this record suggests
The dated deed and City-record sequence is assembled below. Read timing as a research lead, not proof of renovation, condition, or motive.
Flags: $12K recorded in the June 2022 delinquency snapshot — verify current balance · historical tax ledger through 2016 recorded $7K with a lien entry. 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
2,467 sqft
livable area
Lot
1,309 sqft
Exterior condition
Below average
city code 5
Above averageBelow average
Interior condition
Below average
city code 5
Above averageBelow average
Quality grade
C
assessor's grade
ABCDE
Zoning
CMX2.5
city zoning code
OPA field-assessment attributes. Condition and grade are the assessor's codes, not an inspection.
Run the numbers
What owning 3809 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
3809 Germantown Ave sits on the 3800 block of Germantown Ave. Open the block report to compare its parcels, ownership and public-record history.
See the whole block →Next door: 3807 Germantown Ave · 3811 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, 1:21 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)