{"asOf":"2026-07-26T12:35:07.530Z","block":"2400-2499 JASPER ST","blockUrl":"https://philadelphia.blockreport.homes/block/2400-2499-jasper-st","address":"2429 JASPER ST","parcelNumber":"311060000","source":"https://property.phila.gov/?p=311060000","ownerType":"owner-occupied","kind":"multi-family","isHouse":false,"home":true,"commercial":false,"residential":true,"taxExempt":false,"institutional":false,"buildingCode":"O30","buildingCodeNew":"22","buildingClass":"ROW 2 STY MASONRY","buildingClassNew":"ROW TYPICAL","useLabel":"Multi-family","owner":"CAYCOYA GERLIN","coOwner":null,"marketValue":344300,"landAssessment":68860,"improvementAssessment":275440,"livableArea":1340,"yearBuilt":1910,"lastSale":{"price":1,"date":"2017-01-27T05:00:00Z"},"openViolations":0,"violations":[{"number":"4298861","date":"2012-12-31","code":"PM-307.1/8","title":"WALL BULGED","status":"COMPLIED","resolutionDate":null,"resolution":null},{"number":"211938906","date":"2017-07-10","code":"A-504.1/1","title":"STOP 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CONTINUES","status":"COMPLIED","resolutionDate":null,"resolution":null},{"number":"4785812","date":"2018-07-12","code":"A-504.1/3","title":"SWO- CONSTR W/O BLDG PERMIT","status":"COMPLIED","resolutionDate":null,"resolution":null},{"number":"4785814","date":"2018-08-23","code":"A-504.1/3","title":"SWO- CONSTR W/O BLDG PERMIT","status":"COMPLIED","resolutionDate":null,"resolution":null},{"number":"4785815","date":"2018-08-23","code":"A-504.7/1","title":"SWO- UNREQ'D ACTIV CONTINUES","status":"COMPLIED","resolutionDate":null,"resolution":null},{"number":"4785816","date":"2018-08-23","code":"A-504.7/3","title":"SWO- PERSON ALLOWED ACT CONTIN","status":"COMPLIED","resolutionDate":null,"resolution":null},{"number":"4896013","date":"2018-12-11","code":"A-504.1/2","title":"SWO- CONTRARY TO GOOD PRACTICE","status":null,"resolutionDate":null,"resolution":null}],"violationCases":[{"number":"364318","type":"UNSAFE","priority":"UNSAFE","responsibility":"CSU","status":"CLOSED","createdDate":"2012-12-31","completedDate":"2017-12-14","violations":[{"number":"4298861","date":"2012-12-31","code":"PM-307.1/8","title":"WALL BULGED","status":"COMPLIED","resolutionDate":null,"resolution":null}]},{"number":"592871","type":"NOTICE OF VIOLATION","priority":"STANDARD","responsibility":"BUILDING COURTS","status":"CLOSED","createdDate":"2017-07-10","completedDate":"2025-01-11","violations":[{"number":"211938906","date":"2017-07-10","code":"A-504.1/1","title":"STOP WORK ORDER","status":"CLOSED","resolutionDate":"2025-01-11","resolution":"CLOSED - STOP PROCESSING"},{"number":"211938908","date":"2017-07-10","code":"A-301.1/2","title":"PERMB- CONST ADDITION","status":"CLOSED","resolutionDate":"2025-01-11","resolution":"CLOSED - STOP PROCESSING"},{"number":"211938910","date":"2020-03-14","code":"A-301.1/4","title":"PERMB- ALTER REPAIR INT PART","status":"CLOSED","resolutionDate":"2025-01-11","resolution":"CLOSED - STOP PROCESSING"},{"number":"211938912","date":"2020-03-14","code":"A-301.1/37","title":"PERMB- UNDERPIN FOUNDATION","status":"CLOSED","resolutionDate":"2025-01-11","resolution":"CLOSED - STOP PROCESSING"}]},{"number":"643627","type":"CONSTRUCTION SERVICES","priority":"CONSTRUCTION SERVICES","responsibility":"DN","status":"CLOSED","createdDate":"2018-07-12","completedDate":"2018-12-14","violations":[{"number":"4785811","date":"2018-07-12","code":"A-302.10/2","title":"PERMB- WORK NOT SAME AS PERMIT","status":"COMPLIED","resolutionDate":null,"resolution":null},{"number":"4785813","date":"2018-07-12","code":"A-504.7/1","title":"SWO- UNREQ'D ACTIV CONTINUES","status":"COMPLIED","resolutionDate":null,"resolution":null},{"number":"4785812","date":"2018-07-12","code":"A-504.1/3","title":"SWO- CONSTR W/O BLDG PERMIT","status":"COMPLIED","resolutionDate":null,"resolution":null},{"number":"4785814","date":"2018-08-23","code":"A-504.1/3","title":"SWO- CONSTR W/O BLDG PERMIT","status":"COMPLIED","resolutionDate":null,"resolution":null},{"number":"4785815","date":"2018-08-23","code":"A-504.7/1","title":"SWO- UNREQ'D ACTIV CONTINUES","status":"COMPLIED","resolutionDate":null,"resolution":null},{"number":"4785816","date":"2018-08-23","code":"A-504.7/3","title":"SWO- PERSON ALLOWED ACT CONTIN","status":"COMPLIED","resolutionDate":null,"resolution":null}]},{"number":"895784","type":null,"priority":null,"responsibility":null,"status":"CLOSED","createdDate":null,"completedDate":null,"violations":[{"number":"4896013","date":"2018-12-11","code":"A-504.1/2","title":"SWO- CONTRARY TO GOOD PRACTICE","status":null,"resolutionDate":null,"resolution":null}]}],"violYears":[{"y":2012,"n":1,"worst":null},{"y":2017,"n":2,"worst":null},{"y":2018,"n":7,"worst":null},{"y":2020,"n":2,"worst":null}],"investigations":[{"caseNumber":"364318","date":"2012-12-28","type":"CSUINITIAL","status":"FAILED"},{"caseNumber":"364318","date":"2013-01-31","type":"CSUINITIAL","status":"FAILED"},{"caseNumber":"364318","date":"2015-08-01","type":"CSUINITIAL","status":"FAILED"},{"caseNumber":"364318","date":"2016-02-07","type":"CSUINITIAL","status":"FAILED"},{"caseNumber":"364318","date":"2016-03-15","type":"CSUINITIAL","status":"FAILED"},{"caseNumber":"364318","date":"2016-11-02","type":"CSUINITIAL","status":"FAILED"},{"caseNumber":"364318","date":"2017-03-08","type":"CSUINITIAL","status":"FAILED"},{"caseNumber":"364318","date":"2017-04-28","type":"CSUINITIAL","status":"FAILED"},{"caseNumber":"592871","date":"2017-07-10","type":"BP_BLDG","status":"FAILED"},{"caseNumber":"592871","date":"2017-08-24","type":"BP_BLDG","status":"FAILED"},{"caseNumber":"592871","date":"2017-10-05","type":"BP_BLDG","status":"CLOSED"},{"caseNumber":"364318","date":"2017-12-13","type":"CSUINITIAL","status":"PASSED"},{"caseNumber":"643627","date":"2018-07-11","type":"BP_BLDG","status":"FAILED"},{"caseNumber":"643627","date":"2018-08-23","type":"BP_BLDG","status":"FAILED"},{"caseNumber":"643627","date":"2018-12-14","type":"BP_BLDG","status":"PASSED"},{"caseNumber":"592871","date":"2025-01-11","type":null,"status":"PASSED"}],"inspYears":[{"y":2012,"fails":1,"passes":0},{"y":2013,"fails":1,"passes":0},{"y":2015,"fails":1,"passes":0},{"y":2016,"fails":3,"passes":0},{"y":2017,"fails":4,"passes":1},{"y":2018,"fails":2,"passes":1},{"y":2025,"fails":0,"passes":1}],"taxOwed":0,"taxSnapshot":{"available":true,"asOf":"2022-06","matched":false},"taxDelinquencySnapshotAsOf":"2022-06","taxDelinquencySnapshotAvailable":true,"lat":39.985627848515556,"lng":-75.13013904141994,"geom":{"type":"Polygon","coordinates":[[[-75.130174133,39.985700772],[-75.130063851,39.985575876],[-75.13010395,39.985554926],[-75.130214232,39.98567982],[-75.130174133,39.985700772]]]},"liDistrict":"CENTRAL EAST","certifications":[],"cityRecordAvailability":{"violations":true,"investigations":true,"appeals":true,"certifications":true,"permits":true,"licenses":true},"zip":"19125","beds":4,"baths":2,"stories":3,"lotArea":747,"zoning":"RM1","grade":"C","basement":"A","heater":"H","centralAir":true,"extCond":"4","intCond":"2","garage":null,"homestead":false,"mail":"2429 JASPER ST, PHILADELPHIA PA, 19125","mailOut":false,"appeals":[],"taxYears":[{"year":1996,"total":448.06,"principal":0,"interest":344.83,"penalty":14.9},{"year":1997,"total":439.79,"principal":0,"interest":337.85,"penalty":14.9},{"year":1998,"total":426.67,"principal":0,"interest":326.74,"penalty":14.9},{"year":1999,"total":412.27,"principal":0,"interest":314.48,"penalty":14.9},{"year":2000,"total":397.77,"principal":0,"interest":302.21,"penalty":14.9},{"year":2001,"total":594.69,"principal":140.35,"interest":326.79,"penalty":16.82},{"year":2002,"total":688.4,"principal":240.25,"interest":306.32,"penalty":16.82},{"year":2003,"total":662.88,"principal":240.25,"interest":284.69,"penalty":16.82},{"year":2004,"total":404.3,"principal":149.02,"interest":163.18,"penalty":10.43},{"year":2005,"total":388.48,"principal":149.02,"interest":149.77,"penalty":10.43},{"year":2006,"total":372.66,"principal":149.02,"interest":136.36,"penalty":10.43},{"year":2007,"total":356.82,"principal":149.02,"interest":122.94,"penalty":10.43},{"year":2008,"total":366.9,"principal":161.18,"interest":118.47,"penalty":11.28},{"year":2009,"total":349.78,"principal":161.18,"interest":103.96,"penalty":11.28},{"year":2010,"total":332.67,"principal":161.18,"interest":89.46,"penalty":11.28},{"year":2011,"total":344.44,"principal":177.13,"interest":82.37,"penalty":12.4},{"year":2012,"total":337.29,"principal":183.97,"interest":68.99,"penalty":12.88},{"year":2013,"total":328.32,"principal":190.58,"interest":54.32,"penalty":13.34},{"year":2014,"total":417.45,"principal":211.12,"interest":41.17,"penalty":14.78},{"year":2015,"total":395.02,"principal":211.12,"interest":22.16,"penalty":14.78},{"year":2016,"total":418.97,"principal":301.02,"interest":4.52,"penalty":3.01}],"taxNet":8883.63,"taxLien":true,"taxLedgerThrough":2016,"taxLedgerAvailable":true,"timesSold":0,"abated":false,"assessmentExemption":false,"exemptionBasisVerified":false,"valueSeries":[{"y":2016,"v":48700,"taxable":18700,"land":7544,"improvement":41156,"taxableLand":7544,"taxableImprovement":11156,"exemptLand":0,"exemptImprovement":30000},{"y":2017,"v":48700,"taxable":18700,"land":12535,"improvement":36165,"taxableLand":12535,"taxableImprovement":6165,"exemptLand":0,"exemptImprovement":30000},{"y":2018,"v":48700,"taxable":48700,"land":12535,"improvement":36165,"taxableLand":12535,"taxableImprovement":36165,"exemptLand":0,"exemptImprovement":0},{"y":2019,"v":77600,"taxable":77600,"land":19974,"improvement":57626,"taxableLand":19974,"taxableImprovement":57626,"exemptLand":0,"exemptImprovement":0},{"y":2020,"v":83600,"taxable":83600,"land":21518,"improvement":62082,"taxableLand":21518,"taxableImprovement":62082,"exemptLand":0,"exemptImprovement":0},{"y":2021,"v":83600,"taxable":83600,"land":21518,"improvement":62082,"taxableLand":21518,"taxableImprovement":62082,"exemptLand":0,"exemptImprovement":0},{"y":2022,"v":83600,"taxable":83600,"land":21518,"improvement":62082,"taxableLand":21518,"taxableImprovement":62082,"exemptLand":0,"exemptImprovement":0},{"y":2023,"v":135800,"taxable":135800,"land":27160,"improvement":108640,"taxableLand":27160,"taxableImprovement":108640,"exemptLand":0,"exemptImprovement":0},{"y":2024,"v":135800,"taxable":135800,"land":27160,"improvement":108640,"taxableLand":27160,"taxableImprovement":108640,"exemptLand":0,"exemptImprovement":0},{"y":2025,"v":168300,"taxable":168300,"land":33660,"improvement":134640,"taxableLand":33660,"taxableImprovement":134640,"exemptLand":0,"exemptImprovement":0},{"y":2026,"v":168300,"taxable":168300,"land":33660,"improvement":134640,"taxableLand":33660,"taxableImprovement":134640,"exemptLand":0,"exemptImprovement":0},{"y":2027,"v":344300,"taxable":344300,"land":68860,"improvement":275440,"taxableLand":68860,"taxableImprovement":275440,"exemptLand":0,"exemptImprovement":0}],"taxNow":2356,"familyHeld":true,"lastTransferNominal":true,"permits":[{"number":"801235","date":"2017-08-11","work":"Major alteration","type":"BP_ALTER","description":"ALTERATION PERMIT","status":"COMPLETED","completedDate":"2017-08-29","scope":"INSTALLATION OF TWO (2) STAR BOLTS PER FLOOR IN THE FRONT WALL AT THE FIRST AND SECOND FLOOR ASSEMBLIES USING 3/4\" A36 THREADED RODS. ALL WORK SHALL BE IN ACCORDANCE WITH THE ENGINEER'S DESIGN / PLAN. SEPARATE PERMITS REQUIRED FOR ANY OTHER BUILDING ALTERATIONS OR ADDITIONS. SEE VIOLATION CASE # 364318."},{"number":"824623","date":"2018-02-26","work":"Major alteration","type":"BP_ALTER","description":"ALTERATION PERMIT","status":"COMPLETED","completedDate":"2018-06-18","scope":"MAKE SAFE PERMIT IN RESPONSE TO CASE UMBER 592871. APPLICATION TO UNDERPIN FOUNDATION PER APPROVED PLANS AND ENGINEER'S REPORT. NO OTHER WORK APPROVED ON THIS APPLICATION. SEPARATE PERMIT REQUIRED TO REMEDIATE ANY OTHER UNSAFE CONDITION ON THE PROPERTY."},{"number":"887024","date":"2018-06-19","work":"Alteration","type":"BP_ALTER","description":"ALTERATION PERMIT","status":"COMPLETED","completedDate":"2019-12-07","scope":"FOR ALTERATIONS TO AN EXISTING ONE FAMILY DWELLING AS PER ATTACHED STANDARD. DEVIATIONS FROM THIS STANDARD WILL RESULT IN PERMIT REVOCATION AND REQUIRE SUBMISSION OF CONSTRUCTION PLANS."},{"number":"887324","date":"2018-06-20","work":"Plumbing","type":"PP_PLUMBNG","description":"PLUMBING PERMIT","status":"COMPLETED","completedDate":"2019-12-07","scope":"2-TUBS, 2-LAVS, 2-WATER CLOSETS, 1-KITCHEN SINK, 1-GARBAGE DISPOSAL & 1-UTILITY SINK THE INSTALLATION WILL COMPLY WITH THE PHILADELPHIA PLUMBING CODE 2004"},{"number":"889995","date":"2018-06-28","work":"Electrical","type":"EP_ELECTRL","description":"ELECTRICAL PERMIT","status":"COMPLETED","completedDate":"2019-12-11","scope":"INSTALL 200AMP SERVICE & REWIRE SFD WITH OUTLETS, LIGHTS, SWITCHES, FIXTURES, SMOKE AND CO DETECTORS AS PER 2008 NEC (EAST DISTRICT)"},{"number":"895780","date":"2018-09-27","work":"Zoning","type":"ZP_ZONING","description":"ZONING PERMIT","status":"COMPLETED","completedDate":"2018-09-27","scope":"ERECT ONE-STORY REAR 3RD FLOOR ADDITION, SETBACK 8' FROM FRONT LOT LINE, ROOFTOP DECK ABOVE 3RD FLOOR ROOF, DECK ACCESS STAIR ENCLOSURE, AND AS-BUILT ALTERATIONS FOR USE AS A SINGLE-FAMILY HOUSEHOLD LIVING UNIT STRUCTURE, SIZE AND LOCATION AS SHOWN ON PLANS. ** NO ROOF DECK PERMITTED IN REQUIRED FRONT SETBACK**"},{"number":"895784","date":"2018-09-27","work":"Addition and/or Alteration","type":"Residential Building","description":"Residential Building Permit","status":"Completed","completedDate":"2020-08-18","scope":"ERECT ONE-STORY REAR 3RD FLOOR ADDITION SETBACK 8' FROM FRONT LOT LINE WITH ROOFTOP DECK ABOVE 3RD FLOOR ROOF, DECK ACCESS STAIR ENCLOSURE AND AS-BUILT ALTERATIONS FOR USE AS A SINGLE-FAMILY DWELLING, SIZE AND LOCATION AS SHOWN ON PLANS. ** NO ROOF DECK PERMITTED IN REQUIRED FRONT SETBACK**"},{"number":"892551","date":"2018-10-01","work":"Mechanical","type":"BP_MECH","description":"MECHANICAL PERMIT","status":"COMPLETED","completedDate":"2019-12-07","scope":"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."},{"number":"917277","date":"2018-10-09","work":"Use","type":"ZP_USE","description":"USE PERMIT","status":"COMPLETED","completedDate":"2018-10-09","scope":"FOR A TWO(2) FAMILY HOUSEHOLD LIVING IN AN EXISTING STRUCTURE."}],"storyTag":"Improved","storyDelta":null,"timeline":[{"y":2018,"k":"permit","w":"Major alteration"},{"y":2018,"k":"permit","w":"Alteration"},{"y":2018,"k":"permit","w":"Plumbing"},{"y":2018,"k":"permit","w":"Electrical"},{"y":2018,"k":"viol","w":"7 L&I violations"},{"y":2018,"k":"insp","w":"L&I: 2 failed, 1 passed"},{"y":2018,"k":"permit","w":"Zoning"},{"y":2018,"k":"permit","w":"Addition and/or Alteration"},{"y":2018,"k":"permit","w":"Mechanical"},{"y":2018,"k":"permit","w":"Use"},{"y":2020,"k":"viol","w":"2 L&I violations"},{"y":2025,"k":"insp","w":"Inspection passed"}],"rented":true,"licenses":[{"number":"844033","type":"Rental","status":"Active","businessName":"Gerlin Caycoya","legalName":"Gerlin Caycoya","address":"2429 JASPER ST","revenueCode":"3202","rentalCategory":"Residential Dwellings","units":2,"issuedDate":"2020-06-19","latestIssueDate":"2026-05-14","expirationDate":"2027-06-18","inactiveDate":null}],"licenseActivity":[{"number":"844033","type":"Rental","businessName":"Gerlin Caycoya","legalName":"Gerlin Caycoya","issuedDate":"2020-06-19","latestIssueDate":"2026-05-14","closureDate":null,"expirationDate":"2027-06-18","inactiveDate":null,"status":"Active","statusLabel":"Active","active":true}],"businessLicenseSourceDate":"2026-07-25","units":2,"signals":[{"kind":"permit-mismatch","level":"watch","title":"Assessment/permit mismatch","summary":"The assessment jumped 105% in 2027, but no matching permit appears in the property timeline.","evidence":["assessment moved from $168,300 to $344,300","no permit shown in 2026-2028"],"caveat":"Not proof of unpermitted work; reassessment, corrected data, or a permit under another parcel can also explain it."}],"legalChecks":[{"id":"use-occupancy","level":"attention","title":"Zoning approval is not the occupancy file","finding":"Use permit #917277: COMPLETED.","why":"Philadelphia 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.","action":"Verify the lawful use, unit count, associated construction permits, and Certificate of Occupancy with L&I.","url":"https://www.phila.gov/services/permits-violations-licenses/get-a-certificate/get-a-certificate-of-occupancy/"},{"id":"rental-license","level":"verify","title":"A rental license does not transfer with the deed","finding":"1 active Rental License record matched.","why":"If dwelling space is rented, the buyer must obtain a new annual Rental License; the seller’s license is not transferable. New applications require proof of ownership and legal occupancy, tax compliance, no open L&I violations, and lead compliance where applicable.","action":"Plan the buyer’s replacement license before settlement.","url":"https://www.phila.gov/services/permits-violations-licenses/rent-or-sell-property/get-a-rental-license/"},{"id":"lead","level":"verify","title":"Lead compliance is a separate record","finding":"OPA records a 1910 build year; BlockReport does not receive the Health Department’s unit-level lead certificate file.","why":"Philadelphia requires covered pre-March-1978 rentals to be certified lead-safe or lead-free for a new or renewed lease and for a new or renewed Rental License. A certificate is unit-specific; a renovation does not by itself create an exemption.","action":"Request the current lead certificate or City exemption for every dwelling unit.","url":"https://www.phila.gov/documents/lead-and-healthy-homes-resources-for-landlords/"},{"id":"investigations","level":"verify","title":"Failed inspections are dated events—not the current condition","finding":"12 failed, 3 passed, and 1 CLOSED investigation outcome are in the fetched history; the latest dated visit was PASSED on Jan 11, 2025.","why":"A 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.","action":"Open the parent case/permit for each material failure and confirm its later disposition.","url":"https://www.phila.gov/departments/department-of-licenses-and-inspections/inspections-by-permit-type/"},{"id":"deed-chain","level":"verify","title":"The latest nominal transfer is not a market sale—or a title opinion","finding":"The latest deed in the assembled record moved for nominal consideration and appears related-party/family-held.","why":"A $1 or nominal deed can be a valid family, estate, or entity transfer. It does not establish a sale price, clear title, or by itself prove a tangled title.","action":"Read the recorded deed and have the title search confirm every grantor, grantee, estate/probate step, lien, and authority to sell.","url":"https://www.phila.gov/services/property-lots-housing/get-a-copy-of-a-deed-or-other-recorded-document/"},{"id":"commercial-trash","level":"verify","title":"A separate Commercial Trash account may apply","finding":"OPA classifies the parcel as multi-family. BlockReport does not receive a current Commercial Trash account balance.","why":"Philadelphia charges qualifying small commercial, mixed-use, and multi-unit properties that use City collection; exemptions and private collection can change applicability. A use category alone does not prove a fee is due.","action":"Check the Commercial Trash account inside the date-effective Property Payoff.","url":"https://www.phila.gov/2026-06-09-pay-your-trash-fee-bill-by-june-30/"},{"id":"violations","level":"clear","title":"No open violation; closed history remains relevant","finding":"The fetched record shows 0 open and 12 historical violations across 4 cases.","why":"A 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.","action":"Use the closed cases to target the inspection and occupancy-file review.","url":"https://www.phila.gov/departments/department-of-licenses-and-inspections/inspections/violation-and-order-types/"}],"closingChecks":[{"title":"Property Sales Certification","body":"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.","action":"Obtain the fresh certificate and compare it with the CO, permits, and Atlas overlays.","url":"https://www.phila.gov/services/permits-violations-licenses/get-a-certificate/get-a-property-sales-certification/"},{"title":"Date-effective City Property Payoff","body":"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.","action":"Request the City statement effective through settlement; read every period and invoice.","url":"https://www.phila.gov/guides/philadelphia-tax-center/what-to-do/"},{"title":"Professional title and water-lien searches","body":"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.","action":"Use a Pennsylvania lawyer/title company and obtain owner’s title insurance; order the separate water search/payoff.","url":"https://www.phila.gov/2026-04-07-why-title-insurance-is-your-best-friend-when-buying-a-home-in-philadelphia/","secondaryUrl":"https://www.phila.gov/services/water-gas-utilities/pay-or-dispute-a-water-bill/resolve-water-liens-judgments/"},{"title":"Seller-specific tax relief is not the buyer’s bill","body":"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.","action":"Have Revenue or OPA identify every current benefit, model the buyer’s bill without seller-specific relief, and confirm any verified abatement in writing.","url":"https://www.phila.gov/services/payments-assistance-taxes/payment-plans-and-assistance-programs/income-based-programs-for-residents/apply-for-the-longtime-owner-occupants-program-loop/","secondaryUrl":"https://www.phila.gov/services/payments-assistance-taxes/taxes/property-and-real-estate-taxes/get-real-estate-tax-relief/tax-freeze/"},{"title":"Seller disclosure and independent inspections","body":"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.","action":"Have the agreement and disclosure reviewed for this transaction’s coverage and exceptions.","url":"https://www.pa.gov/agencies/dos/department-and-offices/bpoa/boards-commissions/real-estate-commission"}]}