The Block Report

Mixed-use report

632 E Girard Ave

3,042 sqft · CMX2 · built 1915

Owner-occupied · assessed $365K · sold 2×. On the 600 block of E Girard Ave.

Property summary

Assessment$365KCity assessed value Last sale$300KRecorded 2016 Est. annual tax$5K/yearAssessment × 1.3998% Tax delinquency—Snapshot unavailable Permits1Dated events in report ViolationsNone openNone open when assembled

“Open” reflects records available then historical records keep their source dates estimates are labeled

BlockReport AI · cited public records

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Street view of 632 E Girard Ave
From the street — imagery © Google
From above — imagery © Esri, Maxar

What stands out

From the public record
Finding

Renovated & sold on

Why it matters

Bought for $75K in 2002, plumbing permit in 2009, sold for $300K in 2016 (+300%).

View supporting records →

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.

Dated record flagAssessment/permit mismatch

The assessment jumped 26% in 2027, but no matching permit appears in the property timeline.

Evidence: assessment moved from $288,900 to $365,000 · 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 1915: 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

$1,399/yr may be unclaimed

This home reads owner-occupied but shows no Homestead Exemption, which removes $100,000 from the taxable assessment (worth up to $1,399/yr). Applying through the City is free and takes minutes.

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 building 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
$365K
built 1915
Price / sq ft
$120
block $138 · below block
Appreciation
+8%
+1%/yr, city 6.5%
In 5 years (~2031)
~$365K
+1%/yr own pace held 5 yrs — extrapolation, not a forecast
Est. tax / yr
$5K
1.4% effective
Jun 2022 tax snapshot
—
Gross yield
6.1%
≈$2K/mo rent
Times sold
2

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

$0$500K$1.0MBefore this chart — 2002: Sold $75K 2009: Plumbing 2013: 7 L&I violations 2013: L&I: 3 failed, 2 passed 2014: L&I: 1 failed, 1 passed2016: Sold $300K$365K201620222027
This houseBlock median & rangeSalePermit

The paper trail

Renovated & sold on

Bought for $75K in 2002, plumbing permit in 2009, sold for $300K in 2016 (+300%).

  1. 2002 $75KSold
  2. 2009 PlumbingPermit
  3. 2013 7 L&I violationsL&IL&I: 3 failed, 2 passedL&I visit
  4. 2014 L&I: 1 failed, 1 passedL&I visit
  5. 2016 $300KSold

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.

Interior
3,042 sqft
livable area
Lot
1,647 sqft
Exterior condition
Average
city code 4
Interior condition
Average
city code 4
Quality grade
C
assessor's grade
Zoning
CMX2
city zoning code

OPA field-assessment attributes. Condition and grade are the assessor's codes, not an inspection.

Run the numbers

What owning 632 E Girard Ave 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.

$365K
20%
6.875%
$2K/mo

When this house last sold (2016) a 30-year mortgage ran about 3.65% — 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

632 E Girard Ave sits on the 600 block of E Girard Ave. Open the block report to compare its parcels, ownership and public-record history.

See the whole block →

Next door: 630 E Girard Ave  ·  628 E Girard Ave

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)