{"asOf":"2026-07-26T11:49:27.596Z","block":"1800-1899 S CAMAC ST","blockUrl":"https://philadelphia.blockreport.homes/block/1800-1899-s-camac-st","address":"1840 S CAMAC ST","parcelNumber":"394607400","source":"https://property.phila.gov/?p=394607400","ownerType":"investor","kind":"house","isHouse":true,"home":true,"commercial":false,"residential":true,"taxExempt":false,"institutional":false,"buildingCode":"O50","buildingCodeNew":"25","buildingClass":"ROW 3 STY MASONRY","buildingClassNew":"ROW MODERN","useLabel":"House","owner":"WINFIELD CONSULTING CORP.","coOwner":null,"marketValue":180000,"landAssessment":36000,"improvementAssessment":144000,"livableArea":1782,"yearBuilt":2017,"lastSale":{"price":800000,"date":"2015-01-23T05:00:00Z"},"openViolations":0,"violations":[{"number":"4502414","date":"2016-06-06","code":"A-301.1/49","title":"PERME- INSTALL SERVICE + WIRE","status":"CLOSEDCASE","resolutionDate":null,"resolution":null},{"number":"4502416","date":"2016-06-06","code":"A-901.13/2","title":"PENALTY- NO ELEC PERM INFO","status":"CLOSEDCASE","resolutionDate":null,"resolution":null},{"number":"4502415","date":"2016-06-06","code":"A-501.1/3","title":"PERME- REQUIRED TO CORR VIOL","status":"CLOSEDCASE","resolutionDate":null,"resolution":null},{"number":"211936101","date":"2017-02-07","code":"A-104.1/1","title":"WORKMANLIKE- BUILDING CODE","status":"CLOSED","resolutionDate":"2021-02-09","resolution":"CLOSED - STOP PROCESSING"},{"number":"VI-2020-043821","date":"2020-10-07","code":"PM15-301","title":"VACANT STRUCTURE & LAND","status":"CLOSED","resolutionDate":"2022-04-12","resolution":"CLOSED - REISSUED/REWRITTEN"},{"number":"VI-2020-043820","date":"2020-10-07","code":"9-3905","title":"VACANT STRUCTURE LICENSE","status":"CLOSED","resolutionDate":"2022-04-12","resolution":"CLOSED - REISSUED/REWRITTEN"},{"number":"VI-2022-026380","date":"2022-04-21","code":"9-3905","title":"VACANT STRUCTURE LICENSE","status":"COMPLIED","resolutionDate":"2024-11-16","resolution":"COMPLIED - PERMIT OBTAINED"},{"number":"VI-2022-026375","date":"2022-04-21","code":"PM15-302.1","title":"EXTERIOR AREA SANITATION","status":"CLOSED","resolutionDate":"2024-11-16","resolution":"CLOSED - ADMINISTRATIVELY"},{"number":"VI-2022-026376","date":"2022-04-21","code":"PM15-302.9","title":"EXTERIOR AREA GRAFFITI","status":"CLOSED","resolutionDate":"2024-11-16","resolution":"CLOSED - ADMINISTRATIVELY"},{"number":"VI-2022-026377","date":"2022-04-21","code":"PM15-304.19V","title":"DOOR AND WINDOW VACANT","status":"CLOSED","resolutionDate":"2024-11-16","resolution":"CLOSED - ADMINISTRATIVELY"},{"number":"VI-2022-026378","date":"2022-04-21","code":"PM15-301","title":"VACANT STRUCTURE & LAND","status":"CLOSED","resolutionDate":"2024-11-16","resolution":"CLOSED - ADMINISTRATIVELY"},{"number":"VI-2022-026379","date":"2022-04-21","code":"PM15-901.1","title":"VACANT PROPERTIES","status":"CLOSED","resolutionDate":"2024-11-16","resolution":"CLOSED - ADMINISTRATIVELY"}],"violationCases":[{"number":"537704","type":"CONSTRUCTION SERVICES","priority":"CONSTRUCTION SERVICES","responsibility":"DS","status":"CLOSED","createdDate":"2016-06-08","completedDate":null,"violations":[{"number":"4502414","date":"2016-06-06","code":"A-301.1/49","title":"PERME- INSTALL SERVICE + WIRE","status":"CLOSEDCASE","resolutionDate":null,"resolution":null},{"number":"4502416","date":"2016-06-06","code":"A-901.13/2","title":"PENALTY- NO ELEC PERM INFO","status":"CLOSEDCASE","resolutionDate":null,"resolution":null},{"number":"4502415","date":"2016-06-06","code":"A-501.1/3","title":"PERME- REQUIRED TO CORR VIOL","status":"CLOSEDCASE","resolutionDate":null,"resolution":null}]},{"number":"572167","type":"NOTICE OF VIOLATION","priority":"STANDARD","responsibility":"BUILDING INVESTIGATOR","status":"CLOSED","createdDate":"2017-02-07","completedDate":"2021-02-10","violations":[{"number":"211936101","date":"2017-02-07","code":"A-104.1/1","title":"WORKMANLIKE- BUILDING CODE","status":"CLOSED","resolutionDate":"2021-02-09","resolution":"CLOSED - STOP PROCESSING"}]},{"number":"CF-2020-074617","type":"NOTICE OF VIOLATION","priority":"STANDARD","responsibility":"PROPERTY MAINTENANCE INVESTIGATOR","status":"CLOSED","createdDate":"2020-10-22","completedDate":"2022-04-12","violations":[{"number":"VI-2020-043821","date":"2020-10-07","code":"PM15-301","title":"VACANT STRUCTURE & LAND","status":"CLOSED","resolutionDate":"2022-04-12","resolution":"CLOSED - REISSUED/REWRITTEN"},{"number":"VI-2020-043820","date":"2020-10-07","code":"9-3905","title":"VACANT STRUCTURE LICENSE","status":"CLOSED","resolutionDate":"2022-04-12","resolution":"CLOSED - REISSUED/REWRITTEN"}]},{"number":"CF-2022-033831","type":"NOTICE OF VIOLATION","priority":"STANDARD","responsibility":"PROPERTY MAINTENANCE INVESTIGATOR","status":"CLOSED","createdDate":"2022-04-21","completedDate":"2024-11-16","violations":[{"number":"VI-2022-026380","date":"2022-04-21","code":"9-3905","title":"VACANT STRUCTURE LICENSE","status":"COMPLIED","resolutionDate":"2024-11-16","resolution":"COMPLIED - PERMIT OBTAINED"},{"number":"VI-2022-026375","date":"2022-04-21","code":"PM15-302.1","title":"EXTERIOR AREA SANITATION","status":"CLOSED","resolutionDate":"2024-11-16","resolution":"CLOSED - ADMINISTRATIVELY"},{"number":"VI-2022-026376","date":"2022-04-21","code":"PM15-302.9","title":"EXTERIOR AREA GRAFFITI","status":"CLOSED","resolutionDate":"2024-11-16","resolution":"CLOSED - ADMINISTRATIVELY"},{"number":"VI-2022-026377","date":"2022-04-21","code":"PM15-304.19V","title":"DOOR AND WINDOW VACANT","status":"CLOSED","resolutionDate":"2024-11-16","resolution":"CLOSED - ADMINISTRATIVELY"},{"number":"VI-2022-026378","date":"2022-04-21","code":"PM15-301","title":"VACANT STRUCTURE & LAND","status":"CLOSED","resolutionDate":"2024-11-16","resolution":"CLOSED - ADMINISTRATIVELY"},{"number":"VI-2022-026379","date":"2022-04-21","code":"PM15-901.1","title":"VACANT PROPERTIES","status":"CLOSED","resolutionDate":"2024-11-16","resolution":"CLOSED - ADMINISTRATIVELY"}]}],"violYears":[{"y":2016,"n":3,"worst":null},{"y":2017,"n":1,"worst":null},{"y":2020,"n":2,"worst":null},{"y":2022,"n":6,"worst":null}],"investigations":[{"caseNumber":"537704","date":"2016-06-06","type":"EP_ELEC","status":"FAILED"},{"caseNumber":"572167","date":"2017-02-07","type":"BP_BLDG","status":"FAILED"},{"caseNumber":"572167","date":"2017-03-07","type":"BP_BLDG","status":"FAILED"},{"caseNumber":"572167","date":"2017-04-17","type":"BP_BLDG","status":"CLOSED"},{"caseNumber":"537704","date":"2017-11-08","type":"EP_ELEC","status":"FAILED"},{"caseNumber":"CF-2020-074617","date":"2020-10-22","type":null,"status":"FAILED"},{"caseNumber":"CF-2020-074617","date":"2021-01-21","type":null,"status":"FAILED"},{"caseNumber":"572167","date":"2021-02-10","type":null,"status":"PASSED"},{"caseNumber":"CF-2020-074617","date":"2022-04-12","type":null,"status":"PASSED"},{"caseNumber":"CF-2022-033831","date":"2022-04-21","type":null,"status":"FAILED"},{"caseNumber":"CF-2022-033831","date":"2022-06-27","type":null,"status":"FAILED"},{"caseNumber":"CF-2022-033831","date":"2022-08-22","type":null,"status":"FAILED"},{"caseNumber":"CF-2022-033831","date":"2024-11-16","type":null,"status":"PASSED"}],"inspYears":[{"y":2016,"fails":1,"passes":0},{"y":2017,"fails":3,"passes":0},{"y":2020,"fails":1,"passes":0},{"y":2021,"fails":1,"passes":1},{"y":2022,"fails":3,"passes":1},{"y":2024,"fails":0,"passes":1}],"taxOwed":14604.87,"taxSnapshot":{"available":true,"asOf":"2022-06","matched":true,"totalDue":14604.87,"principalDue":10119.88,"penaltyDue":684.24,"interestDue":2173.6,"otherChargesDue":1627.15,"yearsOwed":7,"oldestYearOwed":2015,"mostRecentYearOwed":2021,"mostRecentPaymentDate":"2019-10-15","assessmentYear":2022,"totalAssessment":150000,"taxableAssessment":150000,"exemptAbatementAssessment":0,"homesteadValue":0,"netTaxAfterHomestead":2099.7,"actionableAtSnapshot":false,"paymentAgreementAtSnapshot":false,"bankruptcyAtSnapshot":false,"assessmentUnderAppealAtSnapshot":true,"yearMonth":"202206"},"taxDelinquencySnapshotAsOf":"2022-06","taxDelinquencySnapshotAvailable":true,"lat":39.9266763379696,"lng":-75.16611403369983,"geom":{"type":"Polygon","coordinates":[[[-75.166073245,39.926717093],[-75.166092224,39.926627692],[-75.166154855,39.926635604],[-75.166135804,39.926724997],[-75.166073245,39.926717093]]]},"liDistrict":"SOUTH","certifications":[],"cityRecordAvailability":{"violations":true,"investigations":true,"appeals":true,"certifications":true,"permits":true,"licenses":true},"zip":"19148","beds":3,"baths":2,"stories":3,"lotArea":594,"zoning":"RSA5","grade":"C+","basement":"A","heater":"A","centralAir":true,"extCond":"1","intCond":"6","garage":null,"homestead":false,"mail":"1130 W LAKE COOK RD, BUFFALO GROVE IL, 60089","mailOut":true,"appeals":[{"type":"ZBA Permit Denial - Variance","grounds":"PERMIT FOR THE ERECTION OF A SEMI-DETACHED STRUCTURE WITH SIX (6) SEPARATE ROOF DECKS ON THE 3RD AND 4TH FLOORS; FOR USE AS MULTI-FAMILY HOUSEHOLD LIVING WITH SIX (6) DWELLING UNITS WITH ONE (1) INTERIOR, ACCESSORY PARKING SPACE. SIZE AND L","status":"Completed","outcome":"Granted with conditions","date":"2025-03-24","number":"ZP-2023-010355","relatedPermit":"ZP-2023-010355"}],"taxYears":[{"year":2015,"total":306.86,"principal":172.59,"interest":18.12,"penalty":12.08},{"year":2016,"total":287.79,"principal":180.3,"interest":2.7,"penalty":1.8}],"taxNet":594.65,"taxLien":true,"taxLedgerThrough":2016,"taxLedgerAvailable":true,"timesSold":0,"abated":false,"assessmentExemption":false,"exemptionBasisVerified":false,"valueSeries":[{"y":2017,"v":81300,"taxable":81300,"land":81300,"improvement":0,"taxableLand":81300,"taxableImprovement":0,"exemptLand":0,"exemptImprovement":0},{"y":2018,"v":81300,"taxable":81300,"land":81300,"improvement":0,"taxableLand":81300,"taxableImprovement":0,"exemptLand":0,"exemptImprovement":0},{"y":2019,"v":150000,"taxable":150000,"land":34500,"improvement":115500,"taxableLand":34500,"taxableImprovement":115500,"exemptLand":0,"exemptImprovement":0},{"y":2020,"v":150000,"taxable":150000,"land":34500,"improvement":115500,"taxableLand":34500,"taxableImprovement":115500,"exemptLand":0,"exemptImprovement":0},{"y":2021,"v":150000,"taxable":150000,"land":34500,"improvement":115500,"taxableLand":34500,"taxableImprovement":115500,"exemptLand":0,"exemptImprovement":0},{"y":2022,"v":150000,"taxable":150000,"land":34500,"improvement":115500,"taxableLand":34500,"taxableImprovement":115500,"exemptLand":0,"exemptImprovement":0},{"y":2023,"v":155000,"taxable":155000,"land":31000,"improvement":124000,"taxableLand":31000,"taxableImprovement":124000,"exemptLand":0,"exemptImprovement":0},{"y":2024,"v":155000,"taxable":155000,"land":31000,"improvement":124000,"taxableLand":31000,"taxableImprovement":124000,"exemptLand":0,"exemptImprovement":0},{"y":2025,"v":160000,"taxable":160000,"land":32000,"improvement":128000,"taxableLand":32000,"taxableImprovement":128000,"exemptLand":0,"exemptImprovement":0},{"y":2026,"v":160000,"taxable":160000,"land":32000,"improvement":128000,"taxableLand":32000,"taxableImprovement":128000,"exemptLand":0,"exemptImprovement":0},{"y":2027,"v":180000,"taxable":180000,"land":36000,"improvement":144000,"taxableLand":36000,"taxableImprovement":144000,"exemptLand":0,"exemptImprovement":0}],"taxNow":2240,"familyHeld":false,"lastTransferNominal":false,"permits":[{"number":"667981","date":"2016-02-04","work":"Plumbing","type":"PP_PLUMBNG","description":"PLUMBING PERMIT","status":"EXPIRED","completedDate":null,"scope":"INSTALL NEW 6\" LATERAL,CURB TRAP,MAIN DRAIN & 2 WATER SERVICE FOR APT BLDG PA20160331081 SELF CERTIFICATION'S ARE NO LONGER PERMITTED\",\"ALL EXCAVATIONS AND PLUMBING TRENCHES IN EXCESS OF 5 FT IN DEPTH MUST HAVE APPROVED SHORING IN PLACE AT THE TIME OF INSPECTION\""},{"number":"668811","date":"2016-02-10","work":"Administrative","type":"BP_ADMINST","description":"ADMINISTRATIVE PERMIT","status":"EXPIRED","completedDate":null,"scope":"AMEND PERMIT # 548284 TO INCLUDE THE CONSTRUCTION OF A 2-HOUR FIRE RESISTANCE RATE FIRE PUMP ROOM IN THE BASEMENT AS PER PLAN."},{"number":"651521","date":"2016-02-11","work":"Administrative","type":"BP_ADMINST","description":"ADMINISTRATIVE PERMIT","status":"EXPIRED","completedDate":null,"scope":"AMEND BUILDING PERMIT # 572549, FOR THE INSTALLATION OF A (2) INCH FIRE SERVICE LINE WITH BACKFLOW PREVENTOR ASSEMBLY, FIRE PUMP (TO SERVE UNITS A-G), AND FIRE DEPARTMENT CONNECTION (TO SERVE UNITS A-G) FOR A STAND ALONE FIRE SUPPRESSION SYSTEM COMPLYING WITH NFPA 13D. *SEPARATE DOMESTIC LINE*"},{"number":"792361","date":"2017-06-15","work":"Electrical","type":"EP_ELECTRL","description":"ELECTRICAL PERMIT","status":"COMPLETED","completedDate":null,"scope":"INSTALL100AMP PANEL AND PARTIAL REWIRE OUTLETS, LIGHTS, SWITCHES, SMOKE/CO DETECTORS AS PER 2008 NEC (SOUTH DISTRICT)"},{"number":"792362","date":"2018-04-18","work":"Electrical","type":"EP_ELECTRL","description":"ELECTRICAL PERMIT","status":"COMPLETED","completedDate":null,"scope":"(2)350AMP SERVICE,(2)3 GANG METER BOXES TO FEED UNITS A,B,C,D,E AND F RUN FEEDER CABLE TO EACH UNIT. PANELS NOT ON THIS PERMIT.(SOUTH DISTRICT)"},{"number":"ZP-2023-010355","date":"2025-02-05","work":"New construction, addition, GFA change","type":"Zoning","description":"Zoning Permit","status":"Issued","completedDate":null,"scope":"FOR THE ERECTION OF A SEMI-DETACHED STRUCTURE WITH SIX (6) SEPARATE ROOF DECKS ON THE 3RD AND 4TH FLOORS, SIZE AND LOCATION AS SHOWN ON PLANS/APPLICATION."},{"number":"RP-2025-012065","date":"2026-04-27","work":"New Construction","type":"Residential Building","description":"Residential Building Permit","status":"Issued","completedDate":null,"scope":"COMPLETION OF A STRUCTURE WHERE CONSTRUCTION STARTED UNDER PERMIT 548284 - ERECTION OF AN ATTACHED STRUCTURE FOR USE AS SINGLE FAMILY HOUSEHOLD LIVING. SHEETING AND SHORING AND EXCAVATION PREVIOUSLY COMPLETED. SEPARATE PERMITS REQUIRED FOR SPRINKLER (13R) WORK. (UNDERPINNNING IS NOT PART OF THIS PERMIT). ENERGY CODE COMPLIANCE IN ACCORDANCE WITH 2018 IECC. PRIOR TO ISSUANCE OF C.O SUBMITTAL OF AIR BARRIER CHECKLIST AND ENVELOPE TESTING CERTIFICATE IS REQUIRED. BOTH TO BE COMPLETED BY AN APPROVED PARTY."},{"number":"MP-2026-001959","date":"2026-07-06","work":"New Construction","type":"Mechanical","description":"Mechanical / Fuel Gas Permit","status":"Issued","completedDate":null,"scope":"Mechanical / Fuel Gas Permit for combo RP-2025-012065"},{"number":"EP-2026-002950","date":"2026-07-13","work":"New Construction","type":"Electrical","description":"Electrical Permit","status":"Issued","completedDate":null,"scope":"Electrical Permit for combo RP-2025-012065"},{"number":"PP-2026-004480","date":"2026-07-14","work":"New Construction or Additions","type":"Plumbing","description":"Plumbing Permit","status":"Issued","completedDate":null,"scope":"Plumbing Permit (Exterior Building Drainage) for combo RP-2025-012065"},{"number":"PP-2026-004481","date":"2026-07-14","work":"New Construction or Additions","type":"Plumbing","description":"Plumbing Permit","status":"Issued","completedDate":null,"scope":"Plumbing Permit (Interior) for combo RP-2025-012065"},{"number":"PP-2026-004479","date":"2026-07-14","work":"New Construction or Additions","type":"Plumbing","description":"Plumbing Permit","status":"Issued","completedDate":null,"scope":"Plumbing Permit (Water Distribution) for combo RP-2025-012065"}],"storyTag":"New construction","storyDelta":null,"timeline":[{"y":2021,"k":"insp","w":"L&I: 1 failed, 1 passed"},{"y":2022,"k":"viol","w":"6 L&I violations"},{"y":2022,"k":"insp","w":"L&I: 3 failed, 1 passed"},{"y":2024,"k":"insp","w":"Inspection passed"},{"y":2025,"k":"permit","w":"New construction, addition, GFA change"},{"y":2025,"k":"appeal","w":"Appeal granted with conditions"},{"y":2026,"k":"permit","w":"New Construction"},{"y":2026,"k":"permit","w":"New Construction"},{"y":2026,"k":"permit","w":"New Construction"},{"y":2026,"k":"permit","w":"New Construction or Additions"},{"y":2026,"k":"permit","w":"New Construction or Additions"},{"y":2026,"k":"permit","w":"New Construction or Additions"}],"rented":false,"licenses":[],"licenseActivity":[],"businessLicenseSourceDate":"2026-07-25","signals":[{"kind":"record-pressure","level":"elevated","title":"Records to verify together","summary":"More than one separately dated public record deserves a current-status check.","evidence":["$14,605 appeared in the City's June 2022 delinquency snapshot","a lien number appears in the historical tax ledger through 2016","failed L&I inspection activity in 2022"],"caveat":"A screening signal, not a foreclosure prediction. Tax entries are historical and must be verified with Philadelphia Revenue."},{"kind":"transition-activity","level":"watch","title":"Recent transition activity","summary":"The property has an unusually active paper trail worth monitoring for the next permit, inspection, deed, or listing.","evidence":["7 permit events since 2023","1 zoning/board appeal since 2023"],"caveat":"Record activity alone does not establish that a sale or redevelopment is planned."}],"legalChecks":[{"id":"use-occupancy","level":"attention","title":"Zoning approval is not the occupancy file","finding":"Appeal #ZP-2023-010355: Completed · Granted with conditions; related permit ZP-2023-010355.","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":"permit-status","level":"attention","title":"A permit row needs file-level verification","finding":"9 permits not marked completed: 667981 (EXPIRED), 668811 (EXPIRED), 651521 (EXPIRED), RP-2025-012065 (Issued), MP-2026-001959 (Issued).","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":"dated-tax-balance","level":"attention","title":"A dated tax balance needs a current payoff","finding":"$14,604.87 was recorded in the City’s 2022-06 delinquency snapshot for 2015–2021.","why":"That is historical evidence, not today’s amount due. A current exemption, payment, credit, or assistance agreement can coexist with an older snapshot row.","action":"Check period balances and request a dated Property Payoff statement for settlement.","url":"https://www.phila.gov/guides/philadelphia-tax-center/what-to-do/"},{"id":"investigations","level":"verify","title":"Failed inspections are dated events—not the current condition","finding":"9 failed, 3 passed, and 1 CLOSED investigation outcome are in the fetched history; the latest dated visit was PASSED on Nov 16, 2024.","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":"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.","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"}]}