The Block Report

House report

4656 Umbria St

4 bd · 1 ba · 3 stories · 1,530 sqft · RSA5 · built 1900

Owner-occupied · assessed $332K · sold 1×. On the 4600 block of Umbria St.

Property summary

Assessment$332KCity assessed value Last sale—No sale value available Est. annual tax$3K/yearAssessment × 1.3998% Tax delinquency—Snapshot unavailable Permits—Record unavailable ViolationsNone openNone open when assembled

“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.

These curated questions are free. Choose one to open its cited answer.

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:

Street view of 4656 Umbria St
From the street — imagery © Google
From above — imagery © Esri, Maxar

What stands out

From the public record
Finding

"Built 1900" is usually a placeholder

Why it matters

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.

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 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.

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.

The last transfer was not a sale

The most recent recorded deed moved for nominal consideration, within one family. That is where tangled-title problems live — budget a real title search. (Occupants untangling an inherited deed can get help from the city's Tangled Title Fund.)

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
$332K
built 1900
Price / sq ft
$217
block $203 · above block
Appreciation
+74%
+5%/yr, city 6.5%
In 5 years (~2031)
~$333K
+5%/yr own pace held 5 yrs — extrapolation, not a forecast
Est. tax / yr
$3K
0.98% effective
Jun 2022 tax snapshot
—
Gross yield
—
Times sold
1
kept in the family

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

$0$250K$500K$332K201620222027
This houseBlock median & range

Flags: 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.

Bedrooms
4
Bathrooms
1
Stories
3
Interior
1,530 sqft
livable area
Lot
1,523 sqft
Basement
Full, unfinished
city code C
Heat
Hot water / radiators
city code B
Central air
No
Exterior condition
Average
city code 4
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.

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 4656 Umbria 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.

$332K
20%
6.875%
$2K/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.

Block context

4656 Umbria St sits on the 4600 block of Umbria St. Open the block report to compare its parcels, ownership and public-record history.

See the whole block →

Next door: 4654 Umbria St  ·  4658 Umbria 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)