2026 taxable assessment $68,700 × 1.3998%. Estimate—not a bill or account balance.
OPA also publishes a 2027 assessment of $74,200; it is not the 2026 billed-year value.
House report
978 N 45th St
3 bd · 1 ba · 2 stories · 1,060 sqft · RM1 · built 1925
Investor / LLC · assessed $69K (2026) · 2027 OPA assessment $74K · 2 licensed units · sold 3×. On the 900 block of N 45th St.
BlockReport AI · cited public records
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Property summary
Assessment$68,7002026 OPA assessment · 2027: $74,200
Last sale$195KRecorded 2025
Est. tax bill$962/year2026 taxable assessment × 1.3998%
Tax delinquencyNo 2022 matchNot proof account is current
Permits6Every fetched City permit
Violations0 open12 historical across 1 case
“Open” reflects records available then historical records keep their source dates estimates are labeled
Question or correct this record
BlockReport can explain a discrepancy, but it cannot rewrite an official City record. Use the agency that owns the underlying fact:
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 0623642002026 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 $12.08. It is shown as historical context only.
2016$12.08 total · $11.13 principal · $0.16 interest · $0.11 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 recordNew construction
Why it mattersBought for $4K in 2019, built new under a 2020 permit, sold for $195K in 2025.
View supporting records →Marked vacant, but it just sold
Why it mattersThe assessor's condition code says vacant, yet a $195,000 sale was recorded in 2025. One side of the record is stale — condition codes come from drive-by field visits that can lag years behind.
View supporting records →Assessment and sale price disagree hard
Why it mattersAssessed at $74K, but it traded for $195,000 in 2025 — a 2.6× gap. Could be a non-market deed the record doesn't label, or an assessment that hasn't caught up.
View supporting records →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.
If you own it
$12 in the historical tax ledger through 2016
Historical context only, not a current payoff figure. Verify today's balance and lien status directly with Philadelphia Revenue before relying on it.
Construction next door (976 N 45th St, 2025)
Excavation deeper than 5 feet, or within 10 feet of an adjacent structure, legally requires the developer to survey neighboring homes first and give owners 10 days' written notice. Insist on the pre-construction survey — it is your evidence if cracks appear.
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
Thompson Real Estate C3 LLC · corporate / LLC owner
• Tax bills mail to 1620 Claudia Way, North Wales PA, 19454 — outside Philadelphia
• Holds an active rental license for this address
Assessment and tax history
Every fetched annual City assessment for this house, compared with its block and ZIP. The figures show assessment change, the billed-year tax estimate, dated tax records, and recorded transfers. They do not estimate market appreciation or investment return.
Assessed value
$68,700
2026 billed-year assessment · 2027: $74,200 · built 1925
Price / sq ft
$70
block $103 · below block
Assessment change
+174%
+10%/yr since 2016 · 2027 +8% vs 2026
Est. tax bill / yr
$962
1.3% effective
Jun 2022 tax snapshot
No match
not proof the account is current
Times sold
3
licensed rental
Assessment vs. the block and ZIP · every dated City record marked on the line
- OPA assessment · 2016$27K assessed valueOPA’s value on the City tax roll for that year. It is not an appraisal, listing price, sale price, or live tax balance.How Philadelphia property assessments work ↗
- OPA assessment · 2017$27K assessed valueOPA’s value on the City tax roll for that year. It is not an appraisal, listing price, sale price, or live tax balance.How Philadelphia property assessments work ↗
- OPA assessment · 2018$27K assessed valueOPA’s value on the City tax roll for that year. It is not an appraisal, listing price, sale price, or live tax balance.How Philadelphia property assessments work ↗
- OPA assessment · 2019$24K assessed valueOPA’s value on the City tax roll for that year. It is not an appraisal, listing price, sale price, or live tax balance.How Philadelphia property assessments work ↗
- OPA assessment · 2020$25K assessed valueOPA’s value on the City tax roll for that year. It is not an appraisal, listing price, sale price, or live tax balance.How Philadelphia property assessments work ↗
- OPA assessment · 2021$25K assessed valueOPA’s value on the City tax roll for that year. It is not an appraisal, listing price, sale price, or live tax balance.How Philadelphia property assessments work ↗
- OPA assessment · 2022$25K assessed valueOPA’s value on the City tax roll for that year. It is not an appraisal, listing price, sale price, or live tax balance.How Philadelphia property assessments work ↗
- OPA assessment · 2023$45K assessed valueOPA’s value on the City tax roll for that year. It is not an appraisal, listing price, sale price, or live tax balance.How Philadelphia property assessments work ↗
- OPA assessment · 2024$45K assessed valueOPA’s value on the City tax roll for that year. It is not an appraisal, listing price, sale price, or live tax balance.How Philadelphia property assessments work ↗
- OPA assessment · 2025$69K assessed valueOPA’s value on the City tax roll for that year. It is not an appraisal, listing price, sale price, or live tax balance.How Philadelphia property assessments work ↗
- OPA assessment · 2026$69K assessed valueOPA’s value on the City tax roll for that year. It is not an appraisal, listing price, sale price, or live tax balance.How Philadelphia property assessments work ↗
- OPA assessment · 2027$74K assessed valueOPA’s value on the City tax roll for that year. It is not an appraisal, listing price, sale price, or live tax balance.How Philadelphia property assessments work ↗
- Deed / sale · 2019Deed / sale $4KA recorded real-estate document or transfer event. The amount and date can be useful history, but the underlying deed and transfer-tax filing control the parties, consideration, and legal effect.How to read the recorded document ↗
- Deed / sale · 2019Deed / sale $20KA recorded real-estate document or transfer event. The amount and date can be useful history, but the underlying deed and transfer-tax filing control the parties, consideration, and legal effect.How to read the recorded document ↗
- Deed / sale · 2025Deed / sale $195KA recorded real-estate document or transfer event. The amount and date can be useful history, but the underlying deed and transfer-tax filing control the parties, consideration, and legal effect.How to read the recorded document ↗
- Permit · 2020-06-11Change of UseThis permit category usually covers the property’s allowed use, dimensions, occupancy, or site configuration. The approved scope—not the short category—defines what was authorized, and issuance alone does not prove completion.Philadelphia construction and repair permits ↗
- Permit · 2020-07-24Addition and/or AlterationThis permit category usually covers construction, repair, alteration, addition, or occupancy work. The approved scope—not the short category—defines what was authorized, and issuance alone does not prove completion.Philadelphia construction and repair permits ↗
- Permit · 2021-06-23Addition and/or AlterationThis permit category usually covers construction, repair, alteration, addition, or occupancy work. The approved scope—not the short category—defines what was authorized, and issuance alone does not prove completion.Philadelphia construction and repair permits ↗
- Permit · 2021-08-09AlterationsThis permit category usually covers construction, repair, alteration, addition, or occupancy work. The approved scope—not the short category—defines what was authorized, and issuance alone does not prove completion.Philadelphia construction and repair permits ↗
- Permit · 2021-12-07New ConstructionThis permit category usually covers construction, repair, alteration, addition, or occupancy work. The approved scope—not the short category—defines what was authorized, and issuance alone does not prove completion.Philadelphia construction and repair permits ↗
- Permit · 2024-03-05AlterationsThis permit category usually covers construction, repair, alteration, addition, or occupancy work. The approved scope—not the short category—defines what was authorized, and issuance alone does not prove completion.Philadelphia construction and repair permits ↗
- L&I violation · 2020-01-16ARCHITECT/ENGINEER SERVICESA dated L&I enforcement row. Read the cited code, required correction, status, and later inspections together; the title alone does not establish the property’s current condition.How L&I violations and orders work ↗
- L&I violation · 2020-01-16PENALTY- NO BLDG PERM INFOA dated L&I enforcement row. Read the cited code, required correction, status, and later inspections together; the title alone does not establish the property’s current condition.How L&I violations and orders work ↗
- L&I violation · 2020-01-16COMPL CONCEAL- FIRE PERM WORKA dated L&I enforcement row. Read the cited code, required correction, status, and later inspections together; the title alone does not establish the property’s current condition.How L&I violations and orders work ↗
- L&I violation · 2020-01-16BLDG PERMIT REQUIREDA dated L&I enforcement row. Read the cited code, required correction, status, and later inspections together; the title alone does not establish the property’s current condition.How L&I violations and orders work ↗
- L&I violation · 2020-01-16STOP WORK ORDERA dated L&I enforcement row. Read the cited code, required correction, status, and later inspections together; the title alone does not establish the property’s current condition.How L&I violations and orders work ↗
- L&I violation · 2020-01-16PERMB- ALTER REPAIR INT PART (Building permit required for interior alteration or repair)Building permit required for interior alteration or repairHow L&I violations and orders work ↗
- L&I violation · 2020-01-16PERMB- TO COMPLY VIOLA dated L&I enforcement row. Read the cited code, required correction, status, and later inspections together; the title alone does not establish the property’s current condition.How L&I violations and orders work ↗
- L&I violation · 2020-01-16PENALTY- NO PLUMB PERM INFOA dated L&I enforcement row. Read the cited code, required correction, status, and later inspections together; the title alone does not establish the property’s current condition.How L&I violations and orders work ↗
- L&I violation · 2020-01-16PERMB- INSTALL HVAC SYSA dated L&I enforcement row. Read the cited code, required correction, status, and later inspections together; the title alone does not establish the property’s current condition.How L&I violations and orders work ↗
- L&I violation · 2020-01-16PERME- INST/REPL/REPAIR WIRE (Electrical permit required for wiring installation, replacement, or repair)Electrical permit required for wiring installation, replacement, or repairHow L&I violations and orders work ↗
- L&I violation · 2020-01-16PERMP- ALTER/REPAIR/REPL PLUMBA dated L&I enforcement row. Read the cited code, required correction, status, and later inspections together; the title alone does not establish the property’s current condition.How L&I violations and orders work ↗
- L&I violation · 2020-01-16PENALTY- NO ELEC PERM INFOA dated L&I enforcement row. Read the cited code, required correction, status, and later inspections together; the title alone does not establish the property’s current condition.How L&I violations and orders work ↗
- Inspection · 2020-02-24BP_BLDGA dated L&I visit or review. Its type describes the inspection program; the separate result and later rows show whether that visit passed, failed, or led to follow-up.What Philadelphia inspections check ↗
- Inspection · 2020-07-23L&I investigationA dated L&I visit or review. Its type describes the inspection program; the separate result and later rows show whether that visit passed, failed, or led to follow-up.What Philadelphia inspections check ↗
- Inspection · 2021-10-07L&I investigationA dated L&I visit or review. Its type describes the inspection program; the separate result and later rows show whether that visit passed, failed, or led to follow-up.What Philadelphia inspections check ↗
- License · 2019-12-26RentalA City license record tied to an activity or property use. Its issue, expiration, inactive, and status fields—not the category alone—show what was recorded for this date.Philadelphia L&I licenses and property records ↗
- License · 2025-10-02RentalA City license record tied to an activity or property use. Its issue, expiration, inactive, and status fields—not the category alone—show what was recorded for this date.Philadelphia L&I licenses and property records ↗
Property assessmentBlock median & rangeZIP 19104 medianAssessmentDeed / saleL&I violationPermitInspectionLicense
Each icon sits on its recorded date; records without a day are labeled and centered within their year. Select one to explain the filing.
Highlight
Every dated record26 events · exact dates, newest first
- LicenseRental
- Deed / saleDeed / sale $195K
- PermitAlterations
- PermitNew Construction
- InspectionL&I investigation
- PermitAlterations
- PermitAddition and/or Alteration
- PermitAddition and/or Alteration
- InspectionL&I investigation
- PermitChange of Use
- InspectionBP_BLDG
- L&I violationARCHITECT/ENGINEER SERVICES
- L&I violationPENALTY- NO BLDG PERM INFO
- L&I violationCOMPL CONCEAL- FIRE PERM WORK
- L&I violationBLDG PERMIT REQUIRED
- L&I violationSTOP WORK ORDER
- L&I violationPERMB- ALTER REPAIR INT PART (Building permit required for interior alteration or repair)
- L&I violationPERMB- TO COMPLY VIOL
- L&I violationPENALTY- NO PLUMB PERM INFO
- L&I violationPERMB- INSTALL HVAC SYS
- L&I violationPERME- INST/REPL/REPAIR WIRE (Electrical permit required for wiring installation, replacement, or repair)
- L&I violationPERMP- ALTER/REPAIR/REPL PLUMB
- L&I violationPENALTY- NO ELEC PERM INFO
- LicenseRental
- Deed / saleDeed / sale $4K
- Deed / saleDeed / sale $20K
The paper trail
New constructionBought for $4K in 2019, built new under a 2020 permit, sold for $195K in 2025.
- 2019 $4KSold$20KSold
- 2020 Change of UsePermit12 L&I violationsL&IAddition and/or AlterationPermitInspection failed ×4L&I visit
- 2021 Addition and/or AlterationPermitL&I: 1 failed, 1 passedL&I visitAlterationsPermitNew ConstructionPermit
- 2024 AlterationsPermit
- 2025 $195KSold
Records behind the chart
Browse the source ledger
The chart above is the primary timeline. This drawer preserves every underlying dated row and its filed status for source-level review.
Browse 26 dated records deeds, permits, inspections, licenses, violations, certifications & appeals
- LicenseRental
License 0990325 · Active
Thompson Real Estate C3 LLC · Expires 2026-10-01
- Recorded transfer$195K transfer
2025
- PermitAlterations
Permit PP-2024-003108 · Completed
REPLACE CURB TRAP AND FRESH AIR INLET
- PermitNew Construction
Permit MP-2021-008312 · Completed
Install New HVAC Systems; Two Furnaces, 45000BTU 90% One in each Living Unit, Two Condensers 1 1/2 Ton (6)Diffusers/Registers in each Living Unit
- InvestigationL&I investigation
Case 721905 · PASSED
The cited inspection visit was marked passed.
- InvestigationL&I investigation
Case 721905 · FAILED
The cited inspection visit was marked failed; later rows may show follow-up or resolution.
- PermitAlterations
Permit PP-2021-014427 · Completed
Install drain and water lines for 2 toilets, 2 vanities, 2 tubs, 2 kitchen sinks and 2 washer boxes.
- PermitAddition and/or Alteration
Permit EP-2021-006564 · Completed
Correcting existing main 200amp service, bonding, grounding systems and wiring to all panels. Installing wall outlets to kitchen and bathroom areas. Install 3 gang meters as per 2014 NEC
- PermitAddition and/or Alteration
Permit RP-2020-005931 · Completed
For the creation of a two family dwelling in an existing structure (details as shown on the plan)
- PermitChange of Use
Permit ZP-2020-001923 · Issued
Residential - Household Living - Two-Family
- ViolationARCHITECT/ENGINEER SERVICES
Case 721905 · Violation 211986073 · COMPLIED
City marked this violation complied with; check the resolution date and live case for what was accepted.
- ViolationPENALTY- NO BLDG PERM INFO
Case 721905 · Violation 211986065 · COMPLIED
City marked this violation complied with; check the resolution date and live case for what was accepted.
- ViolationCOMPL CONCEAL- FIRE PERM WORK
Case 721905 · Violation 211986066 · COMPLIED
City marked this violation complied with; check the resolution date and live case for what was accepted.
- ViolationBLDG PERMIT REQUIRED
Case 721905 · Violation 211986067 · COMPLIED
City marked this violation complied with; check the resolution date and live case for what was accepted.
- ViolationSTOP WORK ORDER
Case 721905 · Violation 211986068 · COMPLIED
City marked this violation complied with; check the resolution date and live case for what was accepted.
- ViolationPERMB- ALTER REPAIR INT PART (Building permit required for interior alteration or repair)
Case 721905 · Violation 211986069 · COMPLIED
City marked this violation complied with; check the resolution date and live case for what was accepted.
- ViolationPERMB- TO COMPLY VIOL
Case 721905 · Violation 211986070 · COMPLIED
City marked this violation complied with; check the resolution date and live case for what was accepted.
- ViolationPENALTY- NO PLUMB PERM INFO
Case 721905 · Violation 211986072 · COMPLIED
City marked this violation complied with; check the resolution date and live case for what was accepted.
- ViolationPERMB- INSTALL HVAC SYS
Case 721905 · Violation 211986075 · COMPLIED
City marked this violation complied with; check the resolution date and live case for what was accepted.
- ViolationPERME- INST/REPL/REPAIR WIRE (Electrical permit required for wiring installation, replacement, or repair)
Case 721905 · Violation 211986076 · COMPLIED
City marked this violation complied with; check the resolution date and live case for what was accepted.
- ViolationPERMP- ALTER/REPAIR/REPL PLUMB
Case 721905 · Violation 211986077 · COMPLIED
City marked this violation complied with; check the resolution date and live case for what was accepted.
- ViolationPENALTY- NO ELEC PERM INFO
Case 721905 · Violation 211986078 · COMPLIED
City marked this violation complied with; check the resolution date and live case for what was accepted.
- LicenseRental
License 832488 · Closed
Giller Realty 2 LLC · Expires 2025-12-25
- LicenseRental
License 800715 · Closed
Giller Realty LLC · Expires 2021-01-26 · Inactive 2021-03-27
- Recorded transfer$4K transfer
2019
- Recorded transfer$20K transfer
2019
What this record suggests
The City file documents 6 permits touching kitchen work, bathroom work, electrical work, plumbing. 6 carries a completed, issued, or approved status; that documents the filing, not the present quality of the work.
Flags: active rental license · historical tax ledger through 2016 recorded $12. 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
1,060 sqft
livable area
Lot
840 sqft
Heat
Undetermined
city code H
Exterior condition
Vacant
city code 6
Vacant
Interior condition
Below average
city code 5
Above averageBelow average
Quality grade
C-
assessor's grade
ABCDE
Zoning
RM1
city zoning code
OPA field-assessment attributes. Condition and grade are the assessor's codes, not an inspection.
Where the record looks off
Places where the city's own paperwork disagrees with itself. These are flags on the data — not problems with the property.
Marked vacant, but it just sold
The assessor's condition code says vacant, yet a $195,000 sale was recorded in 2025. One side of the record is stale — condition codes come from drive-by field visits that can lag years behind.
Assessment and sale price disagree hard
Assessed at $74K, but it traded for $195,000 in 2025 — a 2.6× gap. Could be a non-market deed the record doesn't label, or an assessment that hasn't caught up.
Run the numbers
What owning 978 N 45th 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 2 licensed units × ~85% of the area's median unit rent — the whole building's income, not one unit's. Assessed value is not an asking price — set the price slider to the real one.
When this house last sold (2025) a 30-year mortgage ran about 6.6% — Freddie Mac's average that year.
Mortgage
—
P&I · 30-yr fixed
All-in monthly
—
+ taxes & insurance
Estimated cash needed
—
down + 4% planning allowance
Modeled cash flow
—
rent − shown costs · /mo
Modeled cap rate
—
modeled NOI ÷ price
Modeled cash-on-cash
—
modeled year-1 return
Scenario for orientation, not advice. Assumes a 30-year fixed loan, $1,400/yr insurance, 1% of price/yr maintenance, and buyer cash equal to the down payment plus 4%. Taxes use this parcel's taxable assessment, not a live Tax Center balance. Cash flow and returns exclude vacancy, management, utilities, HOA or condo fees, leasing costs, income tax, and unplanned capital work.
Block context
978 N 45th St sits on the 900 block of N 45th St. Open the block report to compare its parcels, ownership and public-record history.
See the whole block →Next door: 976 N 45th St · 974 N 45th 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, 11:41 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)