2026 taxable assessment $47,300 × 1.3998%. Estimate—not a bill or account balance.
OPA also publishes a 2027 assessment of $236,900; it is not the 2026 billed-year value.
House report
655 N 11th St
3 bd · 2 stories · 1,332 sqft · RSA5 · built 2019
Owner-occupied · assessed $237K (2026) · 2027 OPA assessment $237K · sold 2×. On the 600 block of N 11th St.
Property summary
Assessment$236,9002026 OPA assessment · 2027: $236,900
Last sale$230KRecorded 2019
Est. tax bill$662/year2026 taxable assessment · full-value scenario $3,316/year · basis and term unverified
Tax delinquencyNo 2022 matchNot proof account is current
Permits7Every fetched City permit
Violations0 open10 historical across 5 cases
“Open” reflects records available then historical records keep their source dates estimates are labeled
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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 1411296122026 OPA taxes $47,300 of $236,900 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 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 recordNew construction
Why it mattersBought for $5K in 2018, built new under a 2018 permit (reduced taxable assessment shown), sold for $230K in 2019.
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
- Elaine Chen
- Tax mailing address
- 655 N 11TH ST, PHILADELPHIA PA, 19123
- L&I district
- CENTRAL EAST
- Building ID (BIN)
- —
- OPA account
- 141129612
Permits7Every dated permit
Violation cases510 violation records · 0 open
Investigations0No match
Building certifications0No match
Business licenses0No match
Appeals1OPEN · Granted
PermitsPermit number, issued date, work and City status7
ZoningPermit 851167
Jul 10, 2018 COMPLETED Completed Jul 10, 2018
FOR LOT ADJUSTMENT TO CREATE TWO(2) LOTS "PARCEL A" AND "PARCEL B" FROM ONE(1) OPA ACCOUNTS ( 655 N 11TH STREET). SIZE AND LOCATION AS SHOWN IN THE APPLICATION.
Zoning/usePermit 894072
Aug 3, 2018 COMPLETED Completed Aug 3, 2018
FOR THE ERECTION OF AN ATTACHED STRUCTURE,REAR DECK AT GROUND FLOOR FOR A SINGLE FAMILY HOUSEHOLD LIVING ON EACH LOT.
New constructionPermit 947125
Mar 12, 2019 COMPLETED Completed Nov 24, 2019
FOR THE ERECTION OF A TWO (2) STORY ATTACHED STRUCTURE WITH DECK; FOR USE AS A SINGLE FAMILY DWELLING. ENTIRE BUILDING TO BE FULLY SPRINKELRED. SEPARATE PERMIT REQUIRED FOR MEP WORK.
SuppressionPermit 970036
May 28, 2019 COMPLETED Completed Nov 24, 2019
INSTALL NEW FIRE SUPPRESSION SYSTEM AND 1" COMBINED SERVICE IN ACCORDANCE WITH NFPA 13D THROUGHOUT THE ENTIRE BUILDING. ALL WORK SHALL COMPLY WITH THE APPROVED PLANS. ALL WORK SHALL BE PERFORMED BY A FIRE SUPPRESSION CONTRACTOR LICENSED BY THE CITY OF PHILADELPHIA.
ElectricalPermit 981768
Jun 4, 2019 COMPLETED Completed Nov 24, 2019
INSTALL 200AMP MAIN SERVICE,40CIRCUIT MAIN BREAKER PANEL AND ALL WIRING THROUGHOUT A SFD WITH RECEPTS,SWITCHES,LIGHTS,FIXTURES,SMOKES,CO DETECTORS AND CABLE AS PER 2008 NEC (NC DISTRICT)
MechanicalPermit 983482
Jun 7, 2019 COMPLETED Completed Nov 24, 2019
EZ PERMIT DUCTWORK & WARM-AIR APPLIANCES-INSTALLATION ONE(1) 2TON 14SEER HEAT PUMP AND REQUIRED DUCT WORK. FOR THE INSTALLATION IF NEW DUCTWORK, REGISTERS/GRILLES/DIFFUSERS, AND WARM-AIR APPLIANCES AS PER ATTACHED STANDARDS. DEVIATIONS FROM THESE STANDARDS REQUIRE SUBMISSION OF CONSTRUCTION AND SITE PLANS.
PlumbingPermit 989471
Jun 27, 2019 COMPLETED Completed Nov 24, 2019
1" COMBO WS,CT,FAI,PA20191780771 "SELF-CERTIFICATION'S ARE NO LONGER PERMITTED" - "ALL EXCAVATIONS AND PLUMBING TRENCHES IN EXCESS OF 5 FEET IN DEPTH MUST HAVE APPROVED SHORING IN PLACE AT THE TIME OF INSPECTION" AND 2 WC,2 LAVS,2 BT,1KS,1WM THE INSTALLATION WILL COMPLY WITH THE PHILADELPHIA PLUMBING CODE 2004
Violation cases10 individual violation records; resolved history remains visible5
Case 400754CLOSED
STANDARD · Opened Sep 5, 2013 · completed Nov 5, 2013
- EXT A-VACANT LOT CLEAN/MAINTAIViolation 2923672Sep 5, 2013 COMPLIED
- CLIP VIOLATION NOTICEViolation 2923671Sep 5, 2013 COMPLIED
Case 487583CLOSED
STANDARD · Opened Jun 25, 2015 · completed Jul 31, 2015
- CLIP VIOLATION NOTICEViolation 3610963Jun 25, 2015 COMPLIED
- EXT A-VACANT LOT CLEAN/MAINTAIViolation 3610964Jun 25, 2015 COMPLIED
Case 544981CLOSED
STANDARD · Opened Jul 19, 2016 · completed Aug 15, 2016
- CLIP VIOLATION NOTICEViolation 4014068Jul 19, 2016 COMPLIED
- EXT A-VACANT LOT CLEAN/MAINTAIViolation 4014069Jul 19, 2016 COMPLIED
Case 572254CLOSED
STANDARD · Opened Feb 7, 2017 · completed Apr 28, 2017
- CLIP VIOLATION NOTICEViolation 4220743Feb 7, 2017 COMPLIED
- EXT A-VACANT LOT CLEAN/MAINTAIViolation 4220744Feb 7, 2017 COMPLIED
Case 584622CLOSED
STANDARD · Opened May 19, 2017 · completed Jun 29, 2017
- CLIP VIOLATION NOTICEViolation 4321301May 19, 2017 COMPLIED
- EXT A-VACANT LOT CLEAN/MAINTAIViolation 4321302May 19, 2017 COMPLIED
InvestigationsEvery inspector visit, including CLOSED outcomes0
No investigations matched this parcel in the fetched City dataset.
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 fields1
Zoning board appealAppeal 33259
Jun 6, 2018 OPEN Granted Related permit 851167
PERMIT FOR LOT ADJUSTMENT TO CREATE TWO(2) LOTS "PARCEL A" AND "PARCEL B" FROM ONE(1) OPA ACCOUNTS ( 655 N 11TH STREET) AS FOLLOWS: "PARCEL A" AND "PARCEL B": FOR THE ERECTION OF AN ATTACHED STRUCTURE,REAR DECK AT GROUND FLOOR FOR A SINGLE
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.
1 resolve before relying
1 verify
1 favorable dated record
Resolve before relyingZoning approval is not the occupancy fileUse permit #894072: 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 ↗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 ↗Favorable dated recordNo open violation; closed history remains relevantThe fetched record shows 0 open and 10 historical violations across 5 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.
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
Verify the current tax bill and exemption
The 2026 taxable assessment implies about $662/yr, while applying the same rate to the full assessment would imply about $3,316/yr — $2,654/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.
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.
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
$236,900
2026 billed-year assessment · 2027: $236,900 · built 2019
Price / sq ft
$178
block $223 · below block
Appreciation
+188%
+11%/yr, city 6.5%
In 5 years (~2031)
~$238K
+11%/yr own pace held 5 yrs — extrapolation, not a forecast
Est. tax bill / yr
$662
0.28% effective, reduced taxable assessment
Jun 2022 tax snapshot
No match
not proof the account is current
Gross yield
9.5%
≈$2K/mo rent
Times sold
2
Value vs. the block, over time — sales, permits & L&I events marked on the line
This houseBlock median & rangeSaleLand buyL&I violation
The paper trail
New constructionBought for $5K in 2018, built new under a 2018 permit (reduced taxable assessment shown), sold for $230K in 2019.
- 2016 2 L&I violationsL&I
- 2017 4 L&I violationsL&I
- 2018 Appeal grantedZoningZoningPermitZoning/usePermit$5KLand buy
- 2019 New constructionPermitSuppressionPermitElectricalPermitMechanicalPermitPlumbingPermit$230KSold
Flags: material assessment exemption — legal basis and term unverified · 1 zoning/board appeal on record. Informational only — not investment advice or a consumer report (FCRA).
The assessment exemption gap
OPA's 2026 taxable assessment implies about $662/year. Applying the same 1.3998% rate to the full assessed value would imply ~$3,316/year — $2,654/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: ($236,900 assessed − $189,608 exempt) × 1.3998% ≈ $662/yr
full-assessment scenario: $236,900 × 1.3998% ≈ $3,316/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
Stories
2
Interior
1,332 sqft
livable area
Lot
1,080 sqft
Basement
Full, finished
city code 1
Central air
Yes
Exterior condition
Newer construction
city code 1
Newer construction
Interior condition
Newer construction
city code 1
Newer construction
Zoning
RSA5
city zoning code
Zoning appeals
1
OPEN · Granted · 2018
OPA field-assessment attributes. Condition and grade are the assessor's codes, not an inspection.
Run the numbers
What owning 655 N 11th 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 with an optional full-assessment stress test, not a live Tax Center balance.
Block context
655 N 11th St sits on the 600 block of N 11th St. Open the block report to compare its parcels, ownership and public-record history.
See the whole block →Next door: 653 N 11th St · 657 N 11th 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, 4:01 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)