2026 taxable assessment $39,000 × 1.3998%. Estimate—not a bill or account balance.
OPA also publishes a 2027 assessment of $228,800; it is not the 2026 billed-year value.
House report
634 Winton St
3 bd · 1 ba · 2 stories · 855 sqft · RSA5 · built 1920
Owner-occupied · assessed $209K (2026) · 2027 OPA assessment $229K. On the 600 block of Winton St.
Property summary
Assessment$209,2002026 OPA assessment · 2027: $228,800
Last sale$2KRecorded 1992
Est. tax bill$546/year2026 taxable assessment · full-value scenario $2,928/year · basis and term unverified
Tax delinquency$24KCity snapshot · Jun 2022
Permits3Every fetched City permit
Violations0 openNo historical match in fetched records
“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 3930714002026 OPA taxes $39,000 of $209,200 assessed. The assessment fields alone do not identify a program, approval date, expiration, or buyer eligibility.
See the assessment math →Applying the same rate to the billed-year full assessment. OPA's numeric split does not say when or whether the current treatment changes.
See the assessment math →Historical delinquency sources Record found
$24,182.86 was recorded for this parcel in Philadelphia's June 2022 delinquency snapshot for 1992–2021. That amount may have been paid, reduced, or increased since; it is not a current payoff figure.
$10,589.71 principal$10,249.58 interest$804.17 penalty$2,539.40 other charges
The snapshot’s 2022 context used $94,500 total assessment, $39,000 taxable, and $55,500 exempt/abated. Those historical fields can differ from today’s OPA exemption status.
A separate historical parcel ledger ending in 2016 records $16,882.91 and a lien entry. It is shown as historical context only.
1992$1,078.88 total · $27.06 principal · $304.93 interest · $10.64 penalty1993$608.19 total · $182.46 principal · $358.53 interest · $12.77 penalty1994$596.58 total · $182.46 principal · $347.58 interest · $12.77 penalty1995$584.98 total · $182.46 principal · $336.64 interest · $12.77 penalty1996$573.41 total · $182.47 principal · $325.71 interest · $12.77 penalty1997$561.80 total · $182.47 principal · $314.76 interest · $12.77 penalty1998$544.39 total · $182.47 principal · $298.34 interest · $12.77 penalty1999$526.99 total · $182.47 principal · $281.92 interest · $12.77 penalty2000$563.58 total · $182.47 principal · $265.50 interest · $12.77 penalty2001$492.17 total · $182.47 principal · $249.07 interest · $12.77 penalty2002$474.76 total · $182.47 principal · $232.65 interest · $12.77 penalty2003$457.36 total · $182.47 principal · $216.23 interest · $12.77 penalty2004$439.95 total · $182.47 principal · $199.81 interest · $12.77 penalty2005$422.54 total · $182.47 principal · $183.38 interest · $12.77 penalty2006$405.13 total · $182.47 principal · $166.96 interest · $12.77 penalty2007$387.73 total · $182.47 principal · $150.54 interest · $12.77 penalty2008$393.60 total · $194.64 principal · $143.06 interest · $13.62 penalty2009$375.03 total · $194.64 principal · $125.54 interest · $13.62 penalty2010$702.19 total · $395.35 principal · $219.42 interest · $27.67 penalty2011$728.14 total · $434.48 principal · $202.03 interest · $30.41 penalty2012$712.35 total · $451.23 principal · $169.21 interest · $31.59 penalty2013$692.58 total · $467.44 principal · $133.22 interest · $32.72 penalty2014$1,877.21 total · $1,331.42 principal · $259.63 interest · $93.20 penalty2015$1,750.19 total · $1,331.42 principal · $139.80 interest · $93.20 penalty2016$933.18 total · $774.30 principal · $11.62 interest · $7.74 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 mattersOwner pulled a wall covering replacement permit in 2020.
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
- Tracy J Duncan
- Tax mailing address
- 634 WINTON ST, PHILADELPHIA PA, 19148
- L&I district
- SOUTH
- Building ID (BIN)
- —
- OPA account
- 393071400
Permits3Every dated permit
Violation cases0No match
Investigations32 failed · 1 passed · 0 closed
Building certifications0No match
Business licenses0No match
Appeals0No match
PermitsPermit number, issued date, work and City status3
ElectricalPermit 519917
Feb 19, 2014 COMPLETED Completed Apr 9, 2014
INSTALL 18- SPACE, 100A SERVICE PANEL, (4)RECEPTACLES AND A LIGHT FIXTURE IN ACCORDANCE WITH 2008 NEC FOR A ONE FAMILY BUILDING (PAID FOR BY PHDC)
PlumbingPermit 610159
May 14, 2015 COMPLETED Completed Jan 20, 2016
REPLACE 2ND FLOOR BATHROOM DRAIN LINES, INSTALL NEW TOILET AND VANITY
Wall Covering ReplacementPermit GM-2020-005635
Aug 10, 2020 Expired Completed Dec 1, 2023
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.
Violation cases0 individual violation records; resolved history remains visible0
No violation cases matched this parcel in the fetched City dataset.
InvestigationsEvery inspector visit, including CLOSED outcomes3
HCEU INSPCase 87023
Oct 25, 2006 FAILED
HCEU INSPCase 87023
Nov 10, 2009 FAILED
HCEU INSPCase 87023
Feb 9, 2010 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 retained0
No business licenses matched this parcel in the fetched City dataset.
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
2 verify
Resolve before relyingA permit row needs file-level verification1 permit not marked completed: GM-2020-005635 (Expired). At least one row also carries a completion date, so the City fields conflict.
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 relyingA dated tax balance needs a current payoff$24,182.86 was recorded in the City’s 2022-06 delinquency snapshot for 1992–2021.
Why it mattersThat is historical evidence, not today’s amount due. A current exemption, payment, credit, or assistance agreement can coexist with an older snapshot row.
Verify nextCheck period balances and request a dated Property Payoff statement for settlement.
Open the controlling City guidance ↗VerifyFailed inspections are dated events—not the current condition2 failed, 1 passed, and 0 CLOSED investigation outcomes are in the fetched history; the latest dated visit was PASSED on Feb 9, 2010.
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 reduced taxable assessment is not a verified abatementOPA’s numeric assessment fields show a reduced taxable assessment; BlockReport has no official program determination for this parcel.
Why it mattersThe numeric treatment can reflect an improvement abatement or another exemption. It does not identify the ordinance, approval, start or end date, or continuation requirements after a transfer. Once OPA verifies a specific active abatement, many common programs attach the benefit to the property for the remaining term rather than ending automatically at sale, but some require a new-owner filing and continued qualifying use or tax compliance.
Verify nextObtain the OPA exemption/abatement determination and history, then underwrite the buyer’s bill from the verified program terms.
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.
Records to verify together
More than one separately dated public record deserves a current-status check.
Evidence: $24,183 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.
Assessment/permit mismatch
The assessment jumped 60% in 2025, but no matching permit appears in the property timeline.
Evidence: assessment moved from $130,900 to $209,200 · no permit shown in 2024-2026
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
Verify the current tax bill and exemption
The 2026 taxable assessment implies about $546/yr, while applying the same rate to the full assessment would imply about $2,928/yr — $2,382/yr more. OPA's assessment split does not establish the exemption program, expiration, or buyer eligibility. Verify the basis and live bill with OPA and Revenue.
Built 1920: 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
Verify which assessment relief applies
OPA shows a material assessment exemption, but this record does not identify its legal basis or transfer treatment. Ask OPA for the approval history; if the current treatment ends, an eligible owner-occupant may need to apply separately for Homestead relief.
$16,883 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 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
$209,200
2026 billed-year assessment · 2027: $228,800 · built 1920
Price / sq ft
$268
block $279 · in line w/ block
Appreciation
+168%
+10%/yr, city 6.5%
In 5 years (~2031)
~$230K
+10%/yr own pace held 5 yrs — extrapolation, not a forecast
Est. tax bill / yr
$546
0.24% effective, reduced taxable assessment
Jun 2022 tax snapshot
$24K
recorded then · verify current
Gross yield
6.8%
≈$1K/mo rent
Times sold
0
Value vs. the block, over time — sales, permits & L&I events marked on the line
This houseBlock median & rangePermit
The paper trail
ImprovedOwner pulled a wall covering replacement permit in 2020.
- 2006 Inspection failedL&I visit
- 2009 Inspection failedL&I visit
- 2010 Inspection passedL&I visit
- 2014 ElectricalPermit
- 2015 PlumbingPermit
- 2020 Wall Covering ReplacementPermit
Flags: material assessment exemption — legal basis and term unverified · $24K recorded in the June 2022 delinquency snapshot — verify current balance · historical tax ledger through 2016 recorded $17K with a lien entry. Informational only — not investment advice or a consumer report (FCRA).
The assessment exemption gap
OPA's 2026 taxable assessment implies about $546/year. Applying the same 1.3998% rate to the full assessed value would imply ~$2,928/year — $2,382/year more. That is a scenario, not a forecast: the assessment split alone does not identify the exemption program, approval date, expiration, transfer treatment, or live Tax Center balance.
2026: ($209,200 assessed − $170,194 exempt) × 1.3998% ≈ $546/yr
full-assessment scenario: $209,200 × 1.3998% ≈ $2,928/yr
The OPA amount does not prove a ten-year abatement or any other specific program. Obtain the approval history and verify the current Tax Center account; a buyer should not assume the seller's relief transfers or restarts.
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
855 sqft
livable area
Lot
672 sqft
Basement
Full, unfinished
city code C
Heat
Forced hot air
city code A
Central air
No
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 634 Winton 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.
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 with an optional full-assessment stress test, not a live Tax Center balance.
Block context
634 Winton St sits on the 600 block of Winton St. Open the block report to compare its parcels, ownership and public-record history.
See the whole block →Next door: 632 Winton St · 636 Winton 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, 6:32 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)