The Block Report

House report

425 S 20th St

4 stories · 2,220 sqft · RM1 · built 1800

Owner-occupied · assessed $742K · sold 1×. On the 400 block of S 20th St.

Street view of 425 S 20th St
From the street — imagery © Google
From above — imagery © Esri, Maxar

Property summary

Assessment$742KCity assessed value Last sale$475KRecorded 2004 Est. annual tax$9K/yearAssessment × 1.3998% Tax delinquency—Snapshot unavailable Permits1Shown in this report Violations2Open L&I cases

What stands out

From the public record

What the record is signaling

Early patterns mined across this property's dated public records. Each flag shows what triggered it and where the inference stops.

elevated signalPublic-record pressure

More than one public record deserves a current-status check.

Evidence: 2 open L&I violations · failed L&I inspection activity in 2025, 2026

Limit: A screening signal, not a foreclosure prediction. Tax entries are historical and must be verified with Philadelphia Revenue.

watch signalAssessment/permit mismatch

The assessment jumped 33% in 2027, but no matching permit appears in the property timeline.

Evidence: assessment moved from $557,900 to $742,300 · no permit shown in 2026-2028

Limit: Not proof of unpermitted work; reassessment, corrected data, or a permit under another parcel can also explain it.

Transparent record rules, not a machine-learning forecast. A signal is a prompt to verify the cited record, 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 1800: 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

2 open violations: the clock matters

L&I appeals must be filed within 30 days — just 6 days if a property is designated UNSAFE or IMMINENTLY DANGEROUS. Left unresolved, the city can do the work itself, bill the owner (routinely $50,000+ on a rowhouse), lien the property, and add court fines of $300+/day.

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
$742K
built 1800
Price / sq ft
$334
block $367 · below block
Appreciation
+45%
+3%/yr, city 6.5%
In 5 years (~2031)
~$744K
+3%/yr own pace held 5 yrs — extrapolation, not a forecast
Est. tax / yr
$9K
1.21% effective
Jun 2022 tax snapshot
—
Gross yield
3.8%
≈$2K/mo rent
Times sold
1
kept in the family

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

$0$500K$1.0MBefore this chart — 2004: Sold $475K2016: Plumbing2025: L&I violation 2025: Inspection failed2026: 2 L&I violations 2026: L&I: 2 failed, 1 passed$742K201620222027
This houseBlock median & rangeL&I violationPermit

The paper trail

Improved

Bought for $475K in 2004. Owner pulled a plumbing permit in 2016.

  1. 2004 $475KSold
  2. 2016 PlumbingPermit
  3. 2025 L&I violationL&IInspection failedL&I visit
  4. 2026 2 L&I violationsL&IL&I: 2 failed, 1 passedL&I visit

Flags: 2 open L&I violations · 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.

Stories
4
Interior
2,220 sqft
livable area
Lot
844 sqft
Exterior condition
Average
city code 4
Interior condition
Average
city code 4
Quality grade
C+
assessor's grade
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 425 S 20th 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.

$742K
20%
6.875%
$2K/mo

When this house last sold (2004) a 30-year mortgage ran about 5.84% — 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

425 S 20th St sits on the 400 block of S 20th St. Open the block report to compare its parcels, ownership and public-record history.

See the whole block →

Next door: 423 S 20th St  ·  427 S 20th St

Where this comes from

Methodology & freshness

Available City datasets are queried from OpenDataPhilly (phl.carto.com), then reports are cached and refreshed on a rolling schedule. Source dates vary: the parcel-level tax-delinquency snapshot is June 2022 and the separate detailed tax ledger ends in 2016, so neither establishes today’s balance. Other dossiers re-pull on view once stale, 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.

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