{"asOf":"2026-07-25T01:19:44.375Z","block":"500-599 EMILY ST","blockUrl":"https://philadelphia.blockreport.homes/block/500-599-emily-st","address":"523 EMILY ST","parcelNumber":"392040700","source":"https://property.phila.gov/?p=392040700","ownerType":"owner-occupied","kind":"house","isHouse":true,"home":true,"commercial":false,"residential":true,"taxExempt":false,"institutional":false,"buildingCode":"O30","buildingCodeNew":"22","buildingClass":"ROW 2 STY MASONRY","buildingClassNew":"ROW TYPICAL","useLabel":"House","owner":"ADAIR AMBER","coOwner":null,"marketValue":305000,"landAssessment":61000,"improvementAssessment":244000,"livableArea":1040,"yearBuilt":1920,"lastSale":{"price":319900,"date":"2020-07-17T04:00:00Z"},"openViolations":0,"violations":[],"violationCases":[],"investigations":[],"taxOwed":0,"taxSnapshot":{"available":true,"asOf":"2022-06","matched":false},"taxDelinquencySnapshotAsOf":"2022-06","taxDelinquencySnapshotAvailable":true,"lat":39.923505946714954,"lng":-75.15581985720941,"geom":{"type":"Polygon","coordinates":[[[-75.155782225,39.923569595],[-75.1558094,39.923435753],[-75.15585717,39.923441396],[-75.155830691,39.92357622],[-75.155782225,39.923569595]]]},"liDistrict":"SOUTH","certifications":[],"cityRecordAvailability":{"violations":true,"investigations":true,"appeals":true,"certifications":true,"permits":true,"licenses":true},"zip":"19148","beds":2,"baths":1,"stories":2,"lotArea":700,"zoning":"RSA5","grade":"C","basement":"C","heater":"A","centralAir":true,"extCond":"2","intCond":"2","garage":null,"homestead":false,"mail":"523 EMILY ST, PHILADELPHIA PA, 19148","mailOut":false,"appeals":[],"taxYears":[],"taxNet":0,"taxLien":false,"taxLedgerThrough":2016,"taxLedgerAvailable":true,"timesSold":3,"abated":true,"assessmentExemption":true,"exemptionBasisVerified":false,"valueSeries":[{"y":2016,"v":92200,"taxable":10290,"land":10290,"improvement":81910,"taxableLand":10290,"taxableImprovement":0,"exemptLand":0,"exemptImprovement":81910},{"y":2017,"v":92200,"taxable":10290,"land":15305,"improvement":76895,"taxableLand":10290,"taxableImprovement":0,"exemptLand":5015,"exemptImprovement":76895},{"y":2018,"v":92200,"taxable":10290,"land":15305,"improvement":76895,"taxableLand":10290,"taxableImprovement":0,"exemptLand":5015,"exemptImprovement":76895},{"y":2019,"v":140300,"taxable":10290,"land":23200,"improvement":117100,"taxableLand":10290,"taxableImprovement":0,"exemptLand":12910,"exemptImprovement":117100},{"y":2020,"v":152000,"taxable":21900,"land":25135,"improvement":126865,"taxableLand":21900,"taxableImprovement":0,"exemptLand":3235,"exemptImprovement":126865},{"y":2021,"v":152000,"taxable":21900,"land":25135,"improvement":126865,"taxableLand":21900,"taxableImprovement":0,"exemptLand":3235,"exemptImprovement":126865},{"y":2022,"v":152000,"taxable":152000,"land":25135,"improvement":126865,"taxableLand":25135,"taxableImprovement":126865,"exemptLand":0,"exemptImprovement":0},{"y":2023,"v":300000,"taxable":152000,"land":60000,"improvement":240000,"taxableLand":60000,"taxableImprovement":92000,"exemptLand":0,"exemptImprovement":148000},{"y":2024,"v":300000,"taxable":152000,"land":60000,"improvement":240000,"taxableLand":60000,"taxableImprovement":92000,"exemptLand":0,"exemptImprovement":148000},{"y":2025,"v":298300,"taxable":151139,"land":59660,"improvement":238640,"taxableLand":59660,"taxableImprovement":91479,"exemptLand":0,"exemptImprovement":147161},{"y":2026,"v":298300,"taxable":151139,"land":59660,"improvement":238640,"taxableLand":59660,"taxableImprovement":91479,"exemptLand":0,"exemptImprovement":147161},{"y":2027,"v":305000,"taxable":154533,"land":61000,"improvement":244000,"taxableLand":61000,"taxableImprovement":93533,"exemptLand":0,"exemptImprovement":150467}],"taxNow":2116,"familyHeld":false,"lastTransferNominal":false,"permits":[{"number":"958886","date":"2019-06-19","work":"Addition and/or Alteration","type":"Residential Building","description":"Residential Building Permit","status":"Expired","completedDate":"2022-08-29","scope":"FOR THE ERECTION OF A WOOD FRAME THIRD STORY ADDITION WITH ROOF DECK AND ROOF DECK ACCESS STRUCTURE ON AN EXISTING TWO (2) STORY ATTACHED STRUCTURE TO EXTEND AN EXISTING SINGLE-FAMILY DWELLING. ALL WORK TO BE DONE PER APPROVED PLANS. SEPARATE PERMITS REQUIRED FOR MECHANICAL, ELECTRICAL, AND PLUMBING WORK. PROTECTION OF PEDESTRIANS, RIGHT-OF-WAY, AND ADJACENT PROPERTIES REQUIRED AT ALL TIMES."},{"number":"958883","date":"2019-06-19","work":"Zoning","type":"ZP_ZONING","description":"ZONING PERMIT","status":"COMPLETED","completedDate":"2019-06-19","scope":"FOR THE ERECTION OF A THIRD STORY ADDITION WITH ROOF DECK AND ROOF DECK ACCESS STRUCTURE ABOVE AN EXISTING TWO (2) STORY ATTACHED STRUCTURE. FOR THE EXTENSION OF EXISTING SINGLE-FAMILY HOUSEHOLD LIVING AS PREVIOUSLY APPROVED. SIZE AND LOCATION AS SHOWN ON APPLICATION / PLANS."},{"number":"1013516","date":"2019-09-25","work":"Demolition","type":"BP_DEMO","description":"DEMOLITION PERMIT","status":"COMPLETED","completedDate":"2019-10-16","scope":"INTERIOR DEMOLITION THRU OUT. INTERIOR DEMOLITION OF NON-LOAD BEARING WALLS ONLY, NO STRUCTURAL WORK ON THIS PERMIT. APPLICANT AGREES TO LIMIT THE DEMOLITION TO COMPLY WITH EZ INTERIOR DEMOLITION PERMIT STANDARDS. NOTE: STRUCTURAL ALTERATION OR REPAIR IS EXPRESSLY PROHIBITED UNDER THIS PERMIT. PROHIBITED STRUCTURAL WORK INCLUDES ANY MODIFICATION TO EXTERIOR WALLS, PARTY WALLS, FLOOR/ROOF, FRAMING OR FOUNDATIONS; UNDERPINNING AND EXCAVATIONS (I.E. DIGGING IN BASEMENT.) (DEVIATION FROM THE STANDARD WILL RESULT IN REVOCATION OF THIS PERMIT AND IMPOSITION OF FURTHER PENALTIES.) SEPARATE PERMITS REQUIRED FOR PLUMBING ELECTRICAL AND MECHANICAL WORK. NO OTHER WORK ALLOWED UNDER THIS PERMIT."},{"number":"1026081","date":"2020-01-15","work":"Zoning","type":"ZP_ZONING","description":"ZONING PERMIT","status":"COMPLETED","completedDate":"2020-01-15","scope":"FOR THE ERECTION OF SECOND FLOOR REAR ADDITION ABOVE THE FIRST FLOOR AS PART OF AN ATTACHED STRUCTURE USE AS HOUSEHOLD LIVING SINGLE FAMILY DWELLING. SIZE AND LOCATION AS SHOWN ON THE APPLICATION."},{"number":"1026083","date":"2020-01-15","work":"Addition and/or Alteration","type":"Residential Building","description":"Residential Building Permit","status":"Expired","completedDate":"2022-09-07","scope":"FOR THE ERECTION OF SECOND FLOOR REAR ADDITION ABOVE THE FIRST FLOOR AS PART OF AN ATTACHED STRUCTURE.SIZE AND LOCATION AS PER PLAN. * SEPARATE PERMITS REQUIRED FOR ELECTRIC AND MECHANICAL.*"},{"number":"1044403","date":"2020-01-24","work":"Alterations","type":"Plumbing","description":"Plumbing Permit","status":"Completed","completedDate":"2021-04-21","scope":"INSTALL WASTE AND WATER LINES TO 1-KITCHEN SINK,2-TOILETS,2-LAVS AND 1-TUB.THE INSTALLATION WILL COMPLY WITH THE PHILADELPHIA PLUMBING CODE 2018 - THE INSTALLATION DOES NOT INCLUDE GARBAGE DISPOSAL OR DISHWASHER"},{"number":"1044589","date":"2020-01-27","work":"New Construction","type":"Electrical","description":"Electrical Permit","status":"Issued","completedDate":null,"scope":"INSTALL NEW 100AMP SERVICE AND WIRING OF DEVICES FOR 2-BEDROOMS,1-KITCHEN AND 1.5 BATHROOMS AS PER 2014 NEC (SOUTH DISTRICT)"}],"storyTag":"New construction","storyDelta":1.88,"timeline":[{"y":2018,"k":"sale","p":111000},{"y":2019,"k":"permit","w":"Addition and/or Alteration"},{"y":2019,"k":"permit","w":"Zoning"},{"y":2019,"k":"sale","p":155000},{"y":2019,"k":"permit","w":"Demolition"},{"y":2020,"k":"permit","w":"Zoning"},{"y":2020,"k":"permit","w":"Addition and/or Alteration"},{"y":2020,"k":"permit","w":"Alterations"},{"y":2020,"k":"permit","w":"New Construction"},{"y":2020,"k":"sale","p":319900}],"rented":true,"licenses":[{"number":"712377","type":"Vacant Residential Property / Lot","status":"Closed","businessName":"CHAMPION MORTGAGE","legalName":"CHAMPION MORTGAGE","address":"523 EMILY ST","revenueCode":"3219","rentalCategory":null,"units":null,"issuedDate":"2016-08-25","latestIssueDate":"2016-08-25","expirationDate":"2017-08-24","inactiveDate":"2017-10-23"},{"number":"934985","type":"Rental","status":"Active","businessName":"Amber McNichol","legalName":"Amber McNichol","address":"523 EMILY ST","revenueCode":"3202","rentalCategory":"Residential Dwellings","units":1,"issuedDate":"2023-10-05","latestIssueDate":"2025-08-21","expirationDate":"2026-10-04","inactiveDate":null}],"licenseActivity":[{"number":"934985","type":"Rental","businessName":"Amber McNichol","legalName":"Amber McNichol","issuedDate":"2023-10-05","latestIssueDate":"2025-08-21","closureDate":null,"expirationDate":"2026-10-04","inactiveDate":null,"status":"Active","statusLabel":"Active","active":true},{"number":"712377","type":"Vacant Residential Property / Lot","businessName":"CHAMPION MORTGAGE","legalName":"CHAMPION MORTGAGE","issuedDate":"2016-08-25","latestIssueDate":"2016-08-25","closureDate":"2017-10-23","expirationDate":"2017-08-24","inactiveDate":"2017-10-23","status":"Closed","statusLabel":"Inactive","active":false}],"businessLicenseSourceDate":"2026-07-24","signals":[{"kind":"permit-mismatch","level":"watch","title":"Assessment/permit mismatch","summary":"The assessment jumped 97% in 2023, but no matching permit appears in the property timeline.","evidence":["assessment moved from $152,000 to $300,000","no permit shown in 2022-2024"],"caveat":"Not proof of unpermitted work; reassessment, corrected data, or a permit under another parcel can also explain it."}],"legalChecks":[{"id":"permit-status","level":"attention","title":"A permit row needs file-level verification","finding":"3 permits not marked completed: 958886 (Expired), 1026083 (Expired), 1044589 (Issued). At least one row also carries a completion date, so the City fields conflict.","why":"Issued 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.","action":"Open the permit file and confirm final inspections, holds, and any resulting occupancy certificate.","url":"https://www.phila.gov/departments/department-of-licenses-and-inspections/inspections-by-permit-type/"},{"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 1920 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":"business-license","level":"verify","title":"A historical business license is not current operating authority","finding":"Vacant Residential Property / Lot #712377: Closed since Oct 23, 2017","why":"A license record proves the licensed activity existed at that time. An inactive or expired license does not establish that the business still operates—or that it may legally reopen under the same use.","action":"If business income matters, verify the current tenant, use registration, and active license in eCLIPSE.","url":"https://www.phila.gov/departments/department-of-licenses-and-inspections/licenses/business-licenses/"},{"id":"abatement","level":"verify","title":"A reduced taxable assessment is not a verified abatement","finding":"OPA’s numeric assessment fields show a reduced taxable assessment; BlockReport has no official program determination for this parcel.","why":"The 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.","action":"Obtain the OPA exemption/abatement determination and history, then underwrite the buyer’s bill from the verified program terms.","url":"https://www.phila.gov/services/payments-assistance-taxes/taxes/property-and-real-estate-taxes/get-real-estate-tax-relief/get-a-property-tax-abatement/"}],"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"}]}