House report
712 N American St
2,700 sqft · RSA5
Investor / LLC · assessed $432K · sold 2×. On the 700 block of N American St.
Reading this house's deeds, permits and assessments…
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
Today's $3,628/yr reflects a 10-year abatement. It steps up every year and reaches about $6,047/yr in 2037 — $2,419/yr more. Price the full bill, not the current one.
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
Interest and penalties keep compounding until a Revenue payment agreement is in place, and a lien is already filed — an owner-occupant agreement also stops the sheriff-sale track.
If you’re the landlord
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 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.
Who's behind it
Cyf Realty LLC · corporate / LLC owner
• Owns 3 properties across Philadelphia under this name, assessed at $1.7M combined
• 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 analyst below to dig into any number.
Value vs. the block, over time — sales, permits & L&I events marked on the line
Bought for $800K in 2015, built new under a 2023 permit (tax-abated), sold for $397K in 2022.
- 2014 Appeal withdrawnZoning
- 2015 $800KSold
- 2022 $397KSold
- 2023 Change of UsePermitAppeal grantedZoning
- 2024 Addition and/or AlterationPermitAlterationsPermitAddition and/or AlterationPermitNew ConstructionPermitAddition and/or AlterationsPermit
- 2025 AlterationsPermit
Flags: tax-abated — the bill lags real value · active rental license · $8K back taxes (2016, $161 of it interest & penalties, lien filed) · 2 zoning/board appeals on record. Informational only — not investment advice or a consumer report (FCRA).
The abatement clock
This house pays about $3,628/yr under a 10-year tax abatement that steps down every year. In 2037 the bill reaches its full ~$6,047/yr — a step up of $2,419/yr, 10 assessment years out. Drag the slider.
now: ($432,000 assessed − $172,820 abated) × 1.3998% ≈ $3,628/yr
2037: $432,000 assessed × 1.3998% ≈ $6,047/yr
The abated slice shrinks ~10% a year (post-2022 program, started 2027) — reassessments move both lines. After expiry an owner-occupant can claim the Homestead Exemption (~$1,400/yr off); an abated home can't hold both.
The house, on paper
The city assessor's field record — the physical spec sheet behind the assessed number.
OPA field-assessment attributes. Condition and grade are the assessor's codes, not an inspection.
Run the numbers
What owning 712 N American St takes, at your price and your rate. Taxes are this house's actual bill from the city record; 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 (2022) a 30-year mortgage ran about 5.34% — Freddie Mac's average that year.
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 (with the abatement toggle above).
Next door: 708 N American St · 706 N American 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
- Back taxes & liens — Real Estate Tax Balances, Dept. of 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
City datasets are fetched live from OpenDataPhilly (phl.carto.com) and cached briefly. AI-written passages are generated from these records only and rejected if they state a number the record doesn't hold.
First time here?
This is 712 N American St,
on paper.
Every deed, permit, L&I visit, tax bill and sale for this house — plus its whole block.
No signup, no teaser
The whole record is free.
Who owns what, what they paid, what they built, what they owe. Scroll and it's all here — the paid part is not the data.
Three taps, you're oriented
What to catch on the way down.
On the way down: the story of the house, its paper trail drawn on the value chart, and run-the-numbers, a calculator seeded with this house's actual tax bill.
Official city record ↗ · L&I history ↗ · See the whole block · Download this record (JSON)