2026 taxable assessment $99,600 × 1.3998%. Estimate—not a bill or account balance.
OPA also publishes a 2027 assessment of $194,400; it is not the 2026 billed-year value.
House report
5646 Windsor St
3 bd · 1 ba · 2 stories · 1,024 sqft · RSA5 · built 1925
Investor / LLC · assessed $100K (2026) · 2027 OPA assessment $194K · sold 1×. On the 5600 block of Windsor St.
Property summary
Assessment$99,6002026 OPA assessment · 2027: $194,400
Last sale$25KRecorded 2019
Est. tax bill$1,394/year2026 taxable assessment × 1.3998%
Tax delinquencyNo 2022 matchNot proof account is current
Permits7Every fetched City permit
Violations0 open17 historical across 3 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 5140844002026 taxable assessment equals the full assessed value.
Historical delinquency sources Record found
This parcel did not match the June 2022 delinquency snapshot. That absence does not confirm the account is current today.
A separate historical parcel ledger ending in 2016 records $2,890.88 and a lien entry. It is shown as historical context only.
2014$1,005.22 total · $681.12 principal · $132.82 interest · $47.68 penalty2015$940.24 total · $681.12 principal · $71.52 interest · $47.68 penalty2016$945.42 total · $785.57 principal · $11.78 interest · $7.86 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 recordImproved
Why it mattersBought for $145K in 2024. Owner pulled a addition and/or alterations permit in 2022.
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
- Penstone Investment Prope
- Tax mailing address
- 2200 BEN FRANKLIN PKWY, PHILADELPHIA PA, 19130
- L&I district
- SOUTH
- Building ID (BIN)
- —
- OPA account
- 514084400
Permits7Every dated permit
Violation cases317 violation records · 0 open
Investigations74 failed · 3 passed · 0 closed
Building certifications0No match
Business licenses21 active
Appeals0No match
PermitsPermit number, issued date, work and City status7
DemolitionPermit 1014460
Sep 27, 2019 EXPIRED
THE COMPLETE DEMO OF A VACANT SFD AS PART OF THE CITY OF PHILADELPHIA DEPT. OF LICENSE & INSPECTIONS DEMOLITION PROGRAM ** SPECS 2 STUCCO C/W 5444&5448 WINDSOR ST REPLACE FRONT SIDEWALK. REMOVE ALL VEGETATION. CITY DEMOLITION CANCELLED 11-7-19
Major alterationPermit 1015891
Oct 21, 2019 COMPLETED Completed Nov 26, 2019
MAKE SAFE PERMIT- FOR THE REPAIR OF ROOF, FLOOR JOISTS AND EXTERIOR WALL, AND THE REMOVAL OF FRONT PORCH EAVE, AS PER ENGINEER'S REPORT AND PLAN. TO RESOLVE CASES #703204 AND #703207. ABUTTING SIDEWALK MUST BE CLOSED WITH FENCING A MINIMUM OF 6' IN HEIGHT. SEPARATE STREETS DEPARTMENT PERMIT REQUIRED FOR SIDEWALK CLOSURE. A SEPARATE PERMIT IS REQUIRED FOR ANY ADDITIONAL ALTERATIONS THAT ARE NOT SPECIFICALLY ADDRESSED ON CASES #703204 AND #703207.
Interior Non-Load-Bearing Wall Demo.Permit GM-2021-000034
Jan 4, 2021 Completed Completed Mar 31, 2022
For minor construction work at the subject property in accordance with all applicable provisions of the Philadelphia Code, all references codes and standards, and the attached EZ Standard, where included. Deviation from this standard shall result in permit revocation. A separate permit from the Philadelphia Department of Streets is required for any sidewalk and street closures. All means of pedestrian protection required at the site in accordance with the Philadelphia Building Code Chapter 33 shall be in place prior to start of work.
Wall Covering ReplacementPermit GM-2021-013387
Nov 28, 2021 Completed Completed Jan 29, 2022
For minor construction work at the subject property in accordance with all applicable provisions of the Philadelphia Code, all references codes and standards, and the attached EZ Standard, where included. Deviation from this standard shall result in permit revocation. A separate permit from the Philadelphia Department of Streets is required for any sidewalk and street closures. All means of pedestrian protection required at the site in accordance with the Philadelphia Building Code Chapter 33 shall be in place prior to start of work.
Addition and/or AlterationPermit EP-2022-001284
Feb 11, 2022 Completed Completed Feb 17, 2022
Fishing Wiring throughout building for Outlets Switches Lighting and Fixtures G.F.C.I smoke detector per NEC code 2014
Addition and/or AlterationPermit RP-2022-001985
Mar 17, 2022 Completed Completed Mar 31, 2022
EZ PERMIT STANDARDS ALTERATIONS For alterations to an Existing One Family Dwelling as per attached standard. Deviations from this standard will result in permit revocation and require submission of construction plans. STRUCTURAL ALTERATION OR REPAIR IS EXPRESSLY PROHIBITED UNDER THIS PERMIT. PROHIBITED STRUCTURAL WORK INCLUDES ANY MODIFICATION TO EXTERIOR WALLS, PARTY WALLS, FLOOR/ROOF FRAMING OR FOUNDATIONS; UNDERPINNING AND EXCAVATIONS (I.E. DIGGING IN BASEMENT). ANY WORK/ALTERATIONS TO THE BASEMENT/CELLAR IS EXPRESSLY PROHIBITED UNLESS DOCUMENTED AS AN EXISTING HABITABLE SPACE WITH HEIGHTS AND MEANS OF EGRESS PER CONDITIONS OF THE EZ STANDARD. Separate permits required for Mechanical, Electric and Plumbing, ETC. **TO COMPLY THE VIOLATION FOR CF-2020-090223**: In Violation - (NOV: Specific Location: front Rehabbing property. Work being done without permits. Interior & exterior) THE APPROVED SCOPE OF WORK FOR THIS PERMIT IS TO LEGALIZE THE WORK REQUIRED AFTER THE MAKE SAFE PERMIT #1015891 COMPLETION AND INTERIOR DEMO PERMIT COMPLETION GM-2021-0000. INSTALLATION OF DRYWALL AND INSUALTION THROUGHOUT. GM-2021-0013387 WAS APPROVED FPR THE EXTERIOR ALTERATIONS ONLY. ALL MEP PERMITS TO BE OBTAINED SEPARATELY.
Addition and/or AlterationsPermit MP-2022-000889
Mar 18, 2022 Completed Completed Mar 31, 2022
EZ PERMIT DUCTWORK & WARM-AIR APPLIANCES For the installation of New Ductwork, Registers/Grilles/Diffusers, and Warm-Air Appliances as per attached standards. Deviations from these standards require submission of construction and site plans.
Violation cases17 individual violation records; resolved history remains visible3
Case 703204CLOSED
IMMINENTLY DANGEROUS · Opened Aug 23, 2019 · completed Nov 26, 2019
- ID STRUCTUREViolation 5238801Aug 23, 2019 COMPLIED
- ARCHITECT/ENGINEER SERVICESViolation 5238800Aug 23, 2019 COMPLIED
- EXTERIOR STRUCT UNSAFE COND 2Violation 5238802Aug 23, 2019 COMPLIED
- EXTERIOR STRUCT UNSAFE COND 7Violation 5238804Aug 23, 2019 COMPLIED
Case 703207CLOSED
CONSTRUCTION SERVICES · Opened Aug 23, 2019 · completed Dec 3, 2019
- LIC MUST BE AVAIL FOR INSPViolation 5170871Aug 23, 2019 COMPLIED
- BLDG PERMIT REQUIREDViolation 5170872Aug 23, 2019 COMPLIED
- PENALTY- NO BLDG PERM INFOViolation 5170874Aug 23, 2019 COMPLIED
- SWO- CONSTR W/O BLDG PERMITViolation 5170873Aug 23, 2019 COMPLIED
- PERMB- ALTER REP'R EXT PORTIONViolation 5170866Aug 23, 2019 COMPLIED
- PERMB- ALTER REPAIR INT PARTViolation 5170867Aug 23, 2019 COMPLIED
- PERMB- PARTIAL DEMOLViolation 5170868Aug 23, 2019 COMPLIED
- PERMB- INT DEMOL WALLS ETCViolation 5170869Aug 23, 2019 COMPLIED
- PERM - MUST POSTViolation 5170870Aug 23, 2019 COMPLIED
Case CF-2020-090223CLOSED
NOTICE OF VIOLATION · Opened Dec 28, 2020 · completed Mar 31, 2022
- ALTER EXTERIOR PORTIONViolation VI-2020-055225Dec 28, 2020 COMPLIED
- ALTER INTERIOR PORTIONViolation VI-2020-055226Dec 28, 2020 COMPLIED
- ALTER EXTERIOR PORTIONViolation VI-2020-055210Dec 28, 2020 COMPLIED
- ALTER INTERIOR PORTIONViolation VI-2020-055211Dec 28, 2020 COMPLIED
InvestigationsEvery inspector visit, including CLOSED outcomes7
CSUINITIALCase 703204
Aug 23, 2019 FAILED
BP_BLDGCase 703207
Aug 23, 2019 FAILED
CSUINITIALCase 703204
Sep 26, 2019 FAILED
CSUINITIALCase 703204
Nov 25, 2019 PASSED
BP_BLDGCase 703207
Nov 25, 2019 PASSED
L&I investigationCase CF-2020-090223
Dec 28, 2020 FAILED
L&I investigationCase CF-2020-090223
Mar 31, 2022 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 retained2
RentalLicense 892187
Penstone Investment Properties LLC
Revenue code 3202 · First issued Apr 14, 2022 Inactive Expiration Apr 13, 2024 Inactive Jun 12, 2024
RentalLicense 0992107
Sangeeta Salvi
Revenue code 3202 · First issued Oct 26, 2025 Active Expiration Oct 25, 2026
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
Resolve before relyingA permit row needs file-level verification1 permit not marked completed: 1014460 (EXPIRED).
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 ↗Resolve before relyingAn unsafe-building history still deserves the repair fileThe fetched record shows 0 open and 17 historical violations across 3 cases.
Why it mattersThe aggregate currently shows zero open violations, so a historical unsafe/imminently-dangerous row is not a current hazard finding. The repair or demolition permit, final inspection, and case closure are the evidence that resolves the former designation.
Verify nextReview the Make Safe/repair permit, final inspection, and case closure.
Open the controlling City guidance ↗VerifyA rental license does not transfer with the deed1 active Rental License record matched.
Why it mattersIf dwelling space is rented, the buyer must obtain a new annual Rental License; the seller’s license is not transferable. New applications require proof of ownership and legal occupancy, tax compliance, no open L&I violations, and lead compliance where applicable.
Verify nextPlan the buyer’s replacement license before settlement.
Open the controlling City guidance ↗VerifyLead compliance is a separate recordOPA records a 1925 build year; BlockReport does not receive the Health Department’s unit-level lead certificate file.
Why it mattersPhiladelphia requires covered pre-March-1978 rentals to be certified lead-safe or lead-free for a new or renewed lease and for a new or renewed Rental License. A certificate is unit-specific; a renovation does not by itself create an exemption.
Verify nextRequest the current lead certificate or City exemption for every dwelling unit.
Open the controlling City guidance ↗VerifyFailed inspections are dated events—not the current condition4 failed, 3 passed, and 0 CLOSED investigation outcomes are in the fetched history; the latest dated visit was PASSED on Mar 31, 2022.
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 ↗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.
Records to verify together
Rule-based groupings across this property's dated public records. Each flag shows the records that belong in the same verification step and where the inference stops.
Assessment/permit mismatch
The assessment jumped 95% in 2027, but no matching permit appears in the property timeline.
Evidence: assessment moved from $99,600 to $194,400 · 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 score or forecast. Each flag is a prompt to verify the cited records, 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 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.
If you own it
$2,891 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.
If you’re the landlord
Lead certificate is not optional
Built 1925: every rental unit needs a lead-safe or lead-free certificate on file with the City. Without one: fines up to $2,000/day per unit, tenants may withhold rent, courts can order rent refunded — and no eviction will stand.
Licensed rental — keep it that way
Renewal requires city tax clearance and zero open L&I violations on the property. A lapsed license suspends the right to collect rent or evict.
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.
Who's behind it
Penstone Investment Prope · corporate / LLC owner
• Tax bills mail to 2200 Ben Franklin Pkwy, Philadelphia PA, 19130
• Holds an active rental license for this address
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
$99,600
2026 billed-year assessment · 2027: $194,400 · built 1925
Price / sq ft
$190
block $110 · above block
Appreciation
+104%
+7%/yr, city 6.5%
In 5 years (~2031)
~$195K
+7%/yr own pace held 5 yrs — extrapolation, not a forecast
Est. tax bill / yr
$1,394
0.72% effective
Jun 2022 tax snapshot
No match
not proof the account is current
Gross yield
8.6%
≈$1K/mo rent
Times sold
1
licensed rental
Value vs. the block, over time — sales, permits & L&I events marked on the line
This houseBlock median & rangeSaleTeardownL&I violationPermit
The paper trail
ImprovedBought for $145K in 2024. Owner pulled a addition and/or alterations permit in 2022.
- 2019 DemolitionPermitDemolishedTeardownMajor alterationPermit
- 2020 4 L&I violationsL&IInspection failedL&I visit
- 2021 Interior Non-Load-Bearing Wall Demo.PermitWall Covering ReplacementPermit
- 2022 Addition and/or AlterationPermitAddition and/or AlterationPermitAddition and/or AlterationsPermitInspection passedL&I visit
- 2024 $145KSold
Flags: active rental license · historical tax ledger through 2016 recorded $3K 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.
Bedrooms
3
Bathrooms
1
Stories
2
Interior
1,024 sqft
livable area
Lot
1,016 sqft
Central air
Yes
Exterior condition
New / rehabbed
city code 2
New / rehabbed
Interior condition
New / rehabbed
city code 2
New / rehabbed
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 5646 Windsor 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 (2019) a 30-year mortgage ran about 3.94% — 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
5646 Windsor St sits on the 5600 block of Windsor St. Open the block report to compare its parcels, ownership and public-record history.
See the whole block →Next door: 5644 Windsor St · 5648 Windsor 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, 7:59 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)