2026 taxable assessment $73,300 × 1.3998%. Estimate—not a bill or account balance.
OPA also publishes a 2027 assessment of $188,800; it is not the 2026 billed-year value.
House report
5448 Charles St
3 bd · 1 ba · 2 stories · 1,056 sqft · RSA5 · built 1925
Owner-occupied · assessed $173K (2026) · 2027 OPA assessment $189K · sold 2×. On the 5400 block of Charles St.
Property summary
Assessment$173,3002026 OPA assessment · 2027: $188,800
Last sale$147KRecorded 2020
Est. tax bill$1,026/year2026 OPA · Homestead-adjusted
Tax delinquencyNo 2022 matchNot proof account is current
Permits3Every fetched City permit
Violations0 open15 historical across 8 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 6222845002026 OPA removes $100,000 from the taxable assessment through the owner-occupant exemption.
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 recordRenovated & sold on
Why it mattersBought for $67K in 2001, use permit in 2007, sold for $147K in 2020 (+119%).
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
- Individual owner on record Analyst access to view
- Tax mailing address
- Private for individual owners
- L&I district
- EAST
- Building ID (BIN)
- —
- OPA account
- 622284500
Permits3Every dated permit
Violation cases815 violation records · 0 open
Investigations127 failed · 1 passed · 4 closed
Building certifications0No match
Business licenses10 active
Appeals0No match
PermitsPermit number, issued date, work and City status3
UsePermit 92467
Jul 27, 2007 COMPLETED Completed Jul 27, 2007
FOR A FAMILY DAYCARE 6 CHILDREN INCLUDING 2 UNDER 2.5 YEARS OF AGE.
Family DaycarePermit ZP-2026-000672
Jan 26, 2026 Issued
Change of UsePermit ZP-2026-006396
Date unavailable Denied
Violation cases15 individual violation records; resolved history remains visible8
Case 119239CLOSED
STANDARD · Opened Jul 3, 2007 · completed Sep 23, 2009
- FDC-BEGAN LICENSE PROCESSViolation 685079Jul 6, 2007 COMPEXCP
Case 164644CLOSED
STANDARD · Opened Jun 11, 2008 · completed Mar 27, 2009
- HIGH WEEDS-CUTViolation 981409Jun 11, 2008 COMPLIED
- CLIP VIOLATION NOTICEViolation 981408Jun 11, 2008 COMPLIED
Case 203545CLOSED
STANDARD · Opened Jun 16, 2009 · completed Jul 3, 2009
- CLIP VIOLATION NOTICEViolation 1364756Jun 16, 2009 COMPLIED
- HIGH WEEDS-CUTViolation 1364757Jun 16, 2009 COMPLIED
Case 274954CLOSED
STANDARD · Opened Apr 29, 2011 · completed May 17, 2011
- HIGH WEEDS-CUTViolation 2056434Apr 29, 2011 COMPLIED
- CLIP VIOLATION NOTICEViolation 2056433Apr 29, 2011 COMPLIED
Case 284234CLOSED
STANDARD · Opened Jun 25, 2011 · completed Jul 11, 2011
- CLIP VIOLATION NOTICEViolation 2124039Jun 25, 2011 COMPLIED
- HIGH WEEDS-CUTViolation 2124040Jun 25, 2011 COMPLIED
Case 582173CLOSED
STANDARD · Opened May 4, 2017 · completed May 19, 2017
- HIGH WEEDS-CUTViolation 4302047May 4, 2017 COMPLIED
- CLIP VIOLATION NOTICEViolation 4302046May 4, 2017 COMPLIED
Case 662921CLOSED
STANDARD · Opened Nov 7, 2018 · completed Nov 29, 2018
- CLIP VIOLATION NOTICEViolation 4867264Nov 7, 2018 COMPLIED
- RUBBISH/GARBAGE EXTERIOR-OWNERViolation 4867265Nov 7, 2018 COMPLIED
Case 680978CLOSED
STANDARD · Opened Apr 23, 2019 · completed May 8, 2019
- HIGH WEEDS-CUTViolation 5010717Apr 23, 2019 COMPLIED
- CLIP VIOLATION NOTICEViolation 5010716Apr 23, 2019 COMPLIED
InvestigationsEvery inspector visit, including CLOSED outcomes12
L_CLIPCase 33457
Oct 5, 2004 FAILED
L_CLIPCase 33457
May 6, 2005 CLOSED
HCEU INSPCase 68433
Jun 23, 2006 FAILED
HCEU INSPCase 68433
Jul 7, 2006 CLOSED
HCEU INSPCase 74309
Aug 9, 2006 FAILED
HCEU INSPCase 74309
Aug 30, 2006 CLOSED
HCEU INSPCase 78156
Sep 6, 2006 FAILED
HCEU INSPCase 78156
Sep 27, 2006 CLOSED
HCEU INSPCase 119239
Jul 2, 2007 FAILED
HCEU INSPCase 119239
Jul 6, 2007 FAILED
HCEU INSPCase 119239
Jul 31, 2007 FAILED
HCEU INSPCase 119239
Sep 23, 2009 PASSED
Building certificationsInspection result and filed expiration date by L&I building ID0
No building certifications matched this parcel in the fetched City dataset.
Business licensesHistorical and active licenses are both retained1
Child Care FacilityLicense 419014
SUEL SANTIAGO
Revenue code 3397 · First issued Sep 8, 2008 Inactive Expiration Feb 29, 2008 Inactive Dec 22, 2012
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
3 verify
1 favorable dated record
Resolve before relyingZoning approval is not the occupancy fileUse permit #92467: COMPLETED.
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 permit row needs file-level verification1 permit not marked completed: ZP-2026-006396 (Denied).
Why it mattersIssued work is not the same as approved final work. L&I uses final inspections and required certifications to close construction permits; expired, withdrawn, and completed are different City statuses.
Verify nextOpen the permit file and confirm final inspections, holds, and any resulting occupancy certificate.
Open the controlling City guidance ↗VerifyFailed inspections are dated events—not the current condition7 failed, 1 passed, and 4 CLOSED investigation outcomes are in the fetched history; the latest dated visit was PASSED on Sep 23, 2009.
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 ↗VerifyA historical business license is not current operating authorityChild Care Facility #419014: Inactive since Dec 22, 2012
Why it mattersA license record proves the licensed activity existed at that time. An inactive or expired license does not establish that the business still operates—or that it may legally reopen under the same use.
Verify nextIf business income matters, verify the current tenant, use registration, and active license in eCLIPSE.
Open the controlling City guidance ↗VerifyHomestead is tied to owner occupancy and the deedOPA shows the Homestead Exemption.
Why it mattersPhiladelphia limits Homestead to an owner’s primary residence. The City says a deed change can require a new application or update.
Verify nextA buyer should apply in their own name and not assume the seller’s benefit continues.
Open the controlling City guidance ↗Favorable dated recordNo open violation; closed history remains relevantThe fetched record shows 0 open and 15 historical violations across 8 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 1925: 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.
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 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
$173,300
2026 billed-year assessment · 2027: $188,800 · built 1925
Price / sq ft
$179
block $166 · above block
Appreciation
+72%
+6%/yr, city 6.5%
In 5 years (~2031)
~$189K
+6%/yr own pace held 5 yrs — extrapolation, not a forecast
Est. tax bill / yr
$1,026
0.54% effective
Jun 2022 tax snapshot
No match
not proof the account is current
Gross yield
8%
≈$1K/mo rent
Times sold
2
Value vs. the block, over time — sales, permits & L&I events marked on the line
This houseBlock median & rangeSaleL&I violationPermit
The paper trail
Renovated & sold onBought for $67K in 2001, use permit in 2007, sold for $147K in 2020 (+119%).
- 2001 $67KSold
- 2004 Inspection failedL&I visit
- 2006 Inspection failed ×3L&I visit
- 2007 UsePermitInspection failed ×3L&I visit
- 2009 Inspection passedL&I visit
- 2011 4 L&I violationsL&I
- 2017 2 L&I violationsL&I
- 2018 2 L&I violationsL&I
- 2019 2 L&I violationsL&I
- 2020 $147KSold
- 2026 Family DaycarePermit
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.
Bedrooms
3
Bathrooms
1
Stories
2
Interior
1,056 sqft
livable area
Lot
2,531 sqft
Basement
Partial
city code H
Heat
Undetermined
city code H
Central air
No
Garage
1 space
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
RSA5
city zoning code
OPA field-assessment attributes. Condition and grade are the assessor's codes, not an inspection.
Run the numbers
What owning 5448 Charles 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.
When this house last sold (2020) a 30-year mortgage ran about 3.1% — 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 use this parcel's taxable assessment, not a live Tax Center balance.
Block context
5448 Charles St sits on the 5400 block of Charles St. Open the block report to compare its parcels, ownership and public-record history.
See the whole block →Next door: 5446 Charles St · 5450 Charles St
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, 9:10 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)