The Block Report

House report

4444 N Gratz St

3 bd · 1 ba · 2 stories · 932 sqft · RSA5 · built 1940

Owner-occupied · assessed $95K. On the 4400 block of N Gratz St.

Street view of 4444 N Gratz St
From the street — imagery © Google
From above — imagery © Esri, Maxar

Property summary

Assessment$95KCity assessed value Last sale$5KRecorded 1978 Est. annual tax$0/yearTax-exempt assessment Tax delinquency$23KCity snapshot · Jun 2022 Permits3Shown in this report ViolationsNone openNo open L&I cases

Verify the current balance before relying on it.

$23K was recorded for this parcel in Philadelphia's June 2022 delinquency snapshot. That amount may have been paid, reduced, or increased since; it is not a current payoff figure.

A separate historical parcel ledger ending in 2016 records $19K and a lien entry. It is shown as historical context only.

Verify current balance with Philadelphia Revenue →

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: $23,375 appeared in the City's June 2022 delinquency snapshot · a lien number appears in the historical tax ledger through 2016

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

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

The current tax estimate is temporary

The taxable assessment implies about $0/yr under a 10-year abatement. It jumps to about $1,335/yr in 2029 — $1,335/yr more. Underwrite the post-abatement estimate and verify the actual bill with Revenue.

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.

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

When the abatement ends, file for Homestead

An abated home cannot also take the Homestead Exemption. From 2029 it can — knocking about $1,400/yr off the full bill.

$19,228 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 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
$95K
built 1940
Price / sq ft
$102
block $102 · in line w/ block
Appreciation
+175%
+10%/yr, city 6.5%
In 5 years (~2031)
~$96K
+10%/yr own pace held 5 yrs — extrapolation, not a forecast
Est. tax / yr
$0
0% effective, abated
Jun 2022 tax snapshot
$23K
delinquency recorded then · verify current
Gross yield
-8385744.2%
≈$-667M/mo rent
Times sold
0

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

$0$50K$100KBefore this chart — 2010: Alteration 2011: Electrical2026: Addition and/or Alteration$95K201620222027
This houseBlock median & rangePermit

The paper trail

New construction

built new under a 2010 permit (tax-abated).

  1. 2010 AlterationPermit
  2. 2011 ElectricalPermit
  3. 2026 Addition and/or AlterationPermit

Flags: tax-abated — the bill lags real value · $23K recorded in the June 2022 delinquency snapshot — verify current balance · historical tax ledger through 2016 recorded $19K with a lien entry. Informational only — not investment advice or a consumer report (FCRA).

The abatement clock

This house’s taxable assessment implies about $0/yr under a 10-year tax abatement. In 2029 the assessment-based estimate reaches ~$1,335/yr — a step up of $1,335/yr, 2 assessment years out. Drag the slider.

2016: ~$66/yr2017: ~$66/yr2018: ~$66/yr2019: ~$0/yr2020: ~$0/yr2021: ~$0/yr2022: ~$0/yr2023: ~$0/yr2024: ~$0/yr2025: ~$0/yr2026: ~$0/yr2027: ~$0/yr2028: ~$0/yr (projected)2029: ~$1,335/yr (projected)2030: ~$1,335/yr (projected)201620292030
2027~$0/yrestimated from assessment

now: ($95,400 assessed − $95,400 abated) × 1.3998% ≈ $0/yr 2029: $95,400 assessed × 1.3998% ≈ $1,335/yr Flat 100% exemption (pre-2022 program, started 2019), then the cliff — reassessments move both lines. After expiry an owner-occupant can claim the Homestead Exemption (~$1,400/yr off); an abated home can't hold both.

The house, on paper

The city assessor's field record — the physical spec sheet behind the assessed number.

Bedrooms
3
Bathrooms
1
Stories
2
Interior
932 sqft
livable area
Lot
700 sqft
Exterior condition
Below average
city code 5
Interior condition
Average
city code 4
Quality grade
C-
assessor's grade
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 4444 N Gratz 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.

$95K
20%
6.875%
$700/mo
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 (with the abatement toggle above).

Block context

4444 N Gratz St sits on the 4400 block of N Gratz St. Open the block report to compare its parcels, ownership and public-record history.

See the whole block →

Next door: 4442 N Gratz St  ·  4446 N Gratz 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)