{"asOf":"2026-07-29T11:28:45.582Z","block":"100-199 N RUBY ST","blockUrl":"https://philadelphia.blockreport.homes/block/100-199-n-ruby-st","address":"107 N RUBY ST","parcelNumber":"441194100","source":"https://property.phila.gov/?p=441194100","ownerType":"investor","kind":"house","isHouse":true,"home":true,"commercial":false,"residential":true,"taxExempt":false,"institutional":false,"buildingCode":"O30","buildingCodeNew":"24","buildingClass":"ROW 2 STY MASONRY","buildingClassNew":"ROW PORCH FRONT","useLabel":"House","owner":"EF MORTGAGE LLC","coOwner":null,"marketValue":115500,"landAssessment":23100,"improvementAssessment":92400,"livableArea":1184,"yearBuilt":1925,"lastSale":{"price":40900,"date":"2025-12-29T05:00:00Z"},"openViolations":8,"violations":[{"number":"VI-2022-022138","date":"2022-04-01","code":"F-505.1","title":"ADDRESS IDENTIFICATION\n","status":"OPEN","resolutionDate":null,"resolution":null},{"number":"VI-2022-022131","date":"2022-04-01","code":"F-1103.8.1","title":"SMOKE ALARM LOCATION\n","status":"COMPLIED","resolutionDate":"2022-05-09","resolution":"COMPLIED - BY ENFORCEMENT ACTION"},{"number":"VI-2022-022132","date":"2022-04-01","code":"F-915.1.1","title":"CARBON MONOXIDE DETECTION REQUIRED\n","status":"COMPLIED","resolutionDate":"2022-05-09","resolution":"COMPLIED - BY ENFORCEMENT ACTION"},{"number":"VI-2022-022133","date":"2022-04-01","code":"PM15-304.10","title":"EXTERIOR STRUCTURE STAIRS, DECKS, PORCHES","status":"OPEN","resolutionDate":null,"resolution":null},{"number":"VI-2022-022134","date":"2022-04-01","code":"PM15-504.1","title":"PLUMBING SYSTEMS- GENERAL","status":"COMPLIED","resolutionDate":"2022-05-09","resolution":"COMPLIED - BY ENFORCEMENT ACTION"},{"number":"VI-2022-022136","date":"2022-04-01","code":"9-3902 (1)","title":"RENTAL LICENSE- ONE & TWO FAMILY (R3)","status":"OPEN","resolutionDate":null,"resolution":null},{"number":"VI-2022-022137","date":"2022-04-01","code":"PM15-304.12","title":"EXTERIOR STRUCTURE HANDRAILS GUARDRAILS","status":"COMPLIED","resolutionDate":"2022-05-09","resolution":"COMPLIED - BY ENFORCEMENT ACTION"},{"number":"VI-2022-022135","date":"2022-04-04","code":"PM15-506.2","title":"PLUMBING SYSTEMS- SANITARY MAINTENANCE","status":"COMPLIED","resolutionDate":"2022-05-09","resolution":"COMPLIED - BY ENFORCEMENT ACTION"},{"number":"VI-2022-026357","date":"2022-04-21","code":"PM15-302.1","title":"EXTERIOR AREA SANITATION","status":"COMPLIED","resolutionDate":"2022-06-08","resolution":"COMPLIED - BY ENFORCEMENT ACTION"},{"number":"VI-2022-026356","date":"2022-04-21","code":"PM15-302.4","title":"EXTERIOR AREA WEEDS","status":"COMPLIED","resolutionDate":"2022-06-08","resolution":"COMPLIED - BY ENFORCEMENT ACTION"},{"number":"VI-2022-075981","date":"2022-10-06","code":"A-301.1/4","title":"ALTER INTERIOR PORTION","status":"COMPLIED","resolutionDate":"2023-05-16","resolution":"COMPLIED - PERMIT OBTAINED"},{"number":"VI-2022-075982","date":"2022-10-06","code":"A-301.1/51","title":"ALTER ELECTRICAL WIRING","status":"COMPLIED","resolutionDate":"2023-09-29","resolution":"COMPLIED - PERMIT OBTAINED"},{"number":"VI-2022-075983","date":"2022-10-06","code":"A-301.1/55","title":"ALTER EXISTING PLUMBING","status":"COMPLIED","resolutionDate":"2023-05-16","resolution":"COMPLIED - PERMIT OBTAINED"},{"number":"VI-2023-061454","date":"2023-08-17","code":"A-402.8.1","title":"FAILURE TO NOTIFY PRIOR TO START\n","status":"SVN ISSUED","resolutionDate":"2023-08-17","resolution":"SVN ISSUED"}],"violationCases":[{"number":"CF-2022-027500","type":"NOTICE OF VIOLATION","priority":"STANDARD","responsibility":"QOL PROPERTY MAINTENANCE INVESTIGATOR","status":"IN VIOLATION","createdDate":"2022-04-04","completedDate":null,"violations":[{"number":"VI-2022-022138","date":"2022-04-01","code":"F-505.1","title":"ADDRESS IDENTIFICATION\n","status":"OPEN","resolutionDate":null,"resolution":null},{"number":"VI-2022-022131","date":"2022-04-01","code":"F-1103.8.1","title":"SMOKE ALARM LOCATION\n","status":"COMPLIED","resolutionDate":"2022-05-09","resolution":"COMPLIED - BY ENFORCEMENT ACTION"},{"number":"VI-2022-022132","date":"2022-04-01","code":"F-915.1.1","title":"CARBON MONOXIDE DETECTION REQUIRED\n","status":"COMPLIED","resolutionDate":"2022-05-09","resolution":"COMPLIED - BY ENFORCEMENT ACTION"},{"number":"VI-2022-022133","date":"2022-04-01","code":"PM15-304.10","title":"EXTERIOR STRUCTURE STAIRS, DECKS, PORCHES","status":"OPEN","resolutionDate":null,"resolution":null},{"number":"VI-2022-022134","date":"2022-04-01","code":"PM15-504.1","title":"PLUMBING SYSTEMS- GENERAL","status":"COMPLIED","resolutionDate":"2022-05-09","resolution":"COMPLIED - BY ENFORCEMENT ACTION"},{"number":"VI-2022-022136","date":"2022-04-01","code":"9-3902 (1)","title":"RENTAL LICENSE- ONE & TWO FAMILY (R3)","status":"OPEN","resolutionDate":null,"resolution":null},{"number":"VI-2022-022137","date":"2022-04-01","code":"PM15-304.12","title":"EXTERIOR STRUCTURE HANDRAILS GUARDRAILS","status":"COMPLIED","resolutionDate":"2022-05-09","resolution":"COMPLIED - BY ENFORCEMENT ACTION"},{"number":"VI-2022-022135","date":"2022-04-04","code":"PM15-506.2","title":"PLUMBING SYSTEMS- SANITARY MAINTENANCE","status":"COMPLIED","resolutionDate":"2022-05-09","resolution":"COMPLIED - BY ENFORCEMENT ACTION"}]},{"number":"CF-2022-033840","type":"NOTICE OF VIOLATION","priority":"STANDARD","responsibility":"PROPERTY MAINTENANCE INVESTIGATOR","status":"CLOSED","createdDate":"2022-04-21","completedDate":"2022-06-08","violations":[{"number":"VI-2022-026357","date":"2022-04-21","code":"PM15-302.1","title":"EXTERIOR AREA SANITATION","status":"COMPLIED","resolutionDate":"2022-06-08","resolution":"COMPLIED - BY ENFORCEMENT ACTION"},{"number":"VI-2022-026356","date":"2022-04-21","code":"PM15-302.4","title":"EXTERIOR AREA WEEDS","status":"COMPLIED","resolutionDate":"2022-06-08","resolution":"COMPLIED - BY ENFORCEMENT ACTION"}]},{"number":"CF-2022-103176","type":"NOTICE OF VIOLATION","priority":"STANDARD","responsibility":"BUILDING INVESTIGATOR","status":"CLOSED","createdDate":"2022-10-06","completedDate":"2023-09-29","violations":[{"number":"VI-2022-075981","date":"2022-10-06","code":"A-301.1/4","title":"ALTER INTERIOR PORTION","status":"COMPLIED","resolutionDate":"2023-05-16","resolution":"COMPLIED - PERMIT OBTAINED"},{"number":"VI-2022-075982","date":"2022-10-06","code":"A-301.1/51","title":"ALTER ELECTRICAL WIRING","status":"COMPLIED","resolutionDate":"2023-09-29","resolution":"COMPLIED - PERMIT OBTAINED"},{"number":"VI-2022-075983","date":"2022-10-06","code":"A-301.1/55","title":"ALTER EXISTING PLUMBING","status":"COMPLIED","resolutionDate":"2023-05-16","resolution":"COMPLIED - PERMIT OBTAINED"}]},{"number":"CF-2023-083393","type":"SITE VIOLATION NOTICE","priority":"STANDARD","responsibility":"BUILDING INVESTIGATOR","status":"CLOSED","createdDate":"2023-08-17","completedDate":"2025-10-10","violations":[{"number":"VI-2023-061454","date":"2023-08-17","code":"A-402.8.1","title":"FAILURE TO NOTIFY PRIOR TO START\n","status":"SVN ISSUED","resolutionDate":"2023-08-17","resolution":"SVN ISSUED"}]}],"violYears":[{"y":2022,"n":13,"worst":null},{"y":2023,"n":1,"worst":null}],"investigations":[{"caseNumber":"CF-2022-027500","date":"2022-04-04","type":null,"status":"FAILED"},{"caseNumber":"CF-2022-033840","date":"2022-04-21","type":null,"status":"FAILED"},{"caseNumber":"CF-2022-027500","date":"2022-05-09","type":null,"status":"FAILED"},{"caseNumber":"CF-2022-033840","date":"2022-06-08","type":null,"status":"PASSED"},{"caseNumber":"CF-2022-027500","date":"2022-06-29","type":null,"status":"FAILED"},{"caseNumber":"CF-2022-103176","date":"2022-10-06","type":null,"status":"FAILED"},{"caseNumber":"CF-2022-027500","date":"2022-10-20","type":null,"status":"FAILED"},{"caseNumber":"CF-2022-103176","date":"2023-05-16","type":null,"status":"FAILED"},{"caseNumber":"CF-2022-103176","date":"2023-06-22","type":null,"status":"FAILED"},{"caseNumber":"CF-2022-103176","date":"2023-07-27","type":null,"status":"FAILED"},{"caseNumber":"CF-2023-083393","date":"2023-08-17","type":null,"status":"FAILED"},{"caseNumber":"CF-2022-103176","date":"2023-08-31","type":null,"status":"FAILED"}],"inspYears":[{"y":2022,"fails":6,"passes":1},{"y":2023,"fails":5,"passes":0}],"taxOwed":0,"taxSnapshot":{"available":true,"asOf":"2022-06","matched":false},"taxDelinquencySnapshotAsOf":"2022-06","taxDelinquencySnapshotAvailable":true,"lat":39.96217224535391,"lng":-75.22748441081912,"geom":{"type":"Polygon","coordinates":[[[-75.227374317,39.962181298],[-75.227383644,39.962138319],[-75.227594887,39.962163564],[-75.227585858,39.962205905],[-75.227374317,39.962181298]]]},"liDistrict":"CENTRAL WEST","certifications":[],"cityRecordAvailability":{"violations":true,"investigations":true,"appeals":true,"certifications":true,"permits":true,"licenses":true},"zip":"19139","beds":3,"baths":1,"stories":2,"lotArea":955,"zoning":"RSA5","grade":"C","basement":null,"heater":null,"centralAir":null,"extCond":"4","intCond":"4","garage":null,"homestead":false,"mail":"53 FOREST AVE, OLD GREENWICH CT, 06870","mailOut":true,"appeals":[],"taxYears":[{"year":2016,"total":479.96,"principal":354.64,"interest":7.9,"penalty":3.55}],"taxNet":456.13,"taxLien":true,"taxLedgerThrough":2016,"taxLedgerAvailable":true,"timesSold":3,"abated":false,"assessmentExemption":false,"exemptionBasisVerified":false,"valueSeries":[{"y":2016,"v":43400,"taxable":43400,"land":4486,"improvement":38914,"taxableLand":4486,"taxableImprovement":38914,"exemptLand":0,"exemptImprovement":0},{"y":2017,"v":43400,"taxable":43400,"land":6510,"improvement":36890,"taxableLand":6510,"taxableImprovement":36890,"exemptLand":0,"exemptImprovement":0},{"y":2018,"v":43400,"taxable":43400,"land":6510,"improvement":36890,"taxableLand":6510,"taxableImprovement":36890,"exemptLand":0,"exemptImprovement":0},{"y":2019,"v":49700,"taxable":49700,"land":7400,"improvement":42300,"taxableLand":7400,"taxableImprovement":42300,"exemptLand":0,"exemptImprovement":0},{"y":2020,"v":51600,"taxable":51600,"land":7683,"improvement":43917,"taxableLand":7683,"taxableImprovement":43917,"exemptLand":0,"exemptImprovement":0},{"y":2021,"v":51600,"taxable":51600,"land":7683,"improvement":43917,"taxableLand":7683,"taxableImprovement":43917,"exemptLand":0,"exemptImprovement":0},{"y":2022,"v":51600,"taxable":51600,"land":7683,"improvement":43917,"taxableLand":7683,"taxableImprovement":43917,"exemptLand":0,"exemptImprovement":0},{"y":2023,"v":76800,"taxable":76800,"land":15360,"improvement":61440,"taxableLand":15360,"taxableImprovement":61440,"exemptLand":0,"exemptImprovement":0},{"y":2024,"v":76800,"taxable":76800,"land":15360,"improvement":61440,"taxableLand":15360,"taxableImprovement":61440,"exemptLand":0,"exemptImprovement":0},{"y":2025,"v":103300,"taxable":103300,"land":20660,"improvement":82640,"taxableLand":20660,"taxableImprovement":82640,"exemptLand":0,"exemptImprovement":0},{"y":2026,"v":103300,"taxable":103300,"land":20660,"improvement":82640,"taxableLand":20660,"taxableImprovement":82640,"exemptLand":0,"exemptImprovement":0},{"y":2027,"v":115500,"taxable":115500,"land":23100,"improvement":92400,"taxableLand":23100,"taxableImprovement":92400,"exemptLand":0,"exemptImprovement":0}],"taxNow":1446,"familyHeld":false,"lastTransferNominal":true,"permits":[{"number":"RP-2023-002385","date":"2023-03-08","work":"Addition and/or Alteration","type":"Residential Building","description":"Residential Building Permit","status":"Expired","completedDate":"2024-10-29","scope":"EZ PERMIT STADARDS ALTERATIONS- 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. 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)."},{"number":"PP-2023-004577","date":"2023-04-10","work":"Alterations","type":"Plumbing","description":"Plumbing Permit","status":"Expired","completedDate":"2024-10-29","scope":"Install 1 toilet 1 lav sink 1 shower/tub 1 kitchen sink"},{"number":"EP-2023-008902","date":"2023-09-28","work":"Addition and/or Alteration","type":"Electrical","description":"Electrical Permit","status":"Expired","completedDate":"2024-10-29","scope":"Rewire throughout install new 100-amp service. Expressly pulling through walls. FISHING ALL WIRING AS PER NEC 2017"}],"storyTag":"Improved","storyDelta":3.49,"timeline":[{"y":2011,"k":"sale","p":18930.24},{"y":2019,"k":"sale","p":65000},{"y":2022,"k":"viol","w":"13 L&I violations"},{"y":2022,"k":"insp","w":"L&I: 6 failed, 1 passed"},{"y":2022,"k":"sale","p":85000},{"y":2023,"k":"permit","w":"Addition and/or Alteration"},{"y":2023,"k":"permit","w":"Alterations"},{"y":2023,"k":"viol","w":"L&I violation"},{"y":2023,"k":"insp","w":"Inspection failed ×5"},{"y":2023,"k":"permit","w":"Addition and/or Alteration"}],"rented":false,"licenses":[{"number":"343413","type":"Rental","status":"Inactive","businessName":"BERKMAN MICHAEL R        NICHINI PAUL G","legalName":"BERKMAN MICHAEL R        NICHINI PAUL G","address":"107 N RUBY ST","revenueCode":"3202","rentalCategory":"Residential Dwellings","units":1,"issuedDate":"2005-11-01","latestIssueDate":"2006-04-21","expirationDate":"2007-02-28","inactiveDate":"2012-12-22"},{"number":"345617","type":"Rental","status":"Inactive","businessName":"PLN REALTY LLC","legalName":"PLN REALTY LLC","address":"107 N RUBY ST","revenueCode":"3202","rentalCategory":"Residential Dwellings","units":1,"issuedDate":"2005-11-17","latestIssueDate":"2019-02-18","expirationDate":"2020-02-29","inactiveDate":"2020-04-29"},{"number":"816056","type":"Rental","status":"Inactive","businessName":"JESSORE CORPORATION","legalName":"JESSORE CORPORATION","address":"107 N RUBY ST","revenueCode":"3202","rentalCategory":"Residential Dwellings","units":1,"issuedDate":"2019-06-20","latestIssueDate":"2020-12-15","expirationDate":"2021-06-19","inactiveDate":"2021-08-18"},{"number":"0987193","type":"Vacant Residential Property / Lot","status":"Active","businessName":"REMAX PRIME REAL ESTATE","legalName":"REMAX PRIME REAL ESTATE","address":"107 N RUBY ST","revenueCode":"3219","rentalCategory":null,"units":null,"issuedDate":"2025-08-26","latestIssueDate":"2025-08-26","expirationDate":"2026-08-25","inactiveDate":null}],"licenseActivity":[{"number":"0987193","type":"Vacant Residential Property / Lot","businessName":"REMAX PRIME REAL ESTATE","legalName":"REMAX PRIME REAL ESTATE","issuedDate":"2025-08-26","latestIssueDate":"2025-08-26","closureDate":null,"expirationDate":"2026-08-25","inactiveDate":null,"status":"Active","statusLabel":"Active","active":true},{"number":"816056","type":"Rental","businessName":"JESSORE CORPORATION","legalName":"JESSORE CORPORATION","issuedDate":"2019-06-20","latestIssueDate":"2020-12-15","closureDate":"2021-08-18","expirationDate":"2021-06-19","inactiveDate":"2021-08-18","status":"Inactive","statusLabel":"Inactive","active":false},{"number":"345617","type":"Rental","businessName":"PLN REALTY LLC","legalName":"PLN REALTY LLC","issuedDate":"2005-11-17","latestIssueDate":"2019-02-18","closureDate":"2020-04-29","expirationDate":"2020-02-29","inactiveDate":"2020-04-29","status":"Inactive","statusLabel":"Inactive","active":false},{"number":"343413","type":"Rental","businessName":"BERKMAN MICHAEL R        NICHINI PAUL G","legalName":"BERKMAN MICHAEL R        NICHINI PAUL G","issuedDate":"2005-11-01","latestIssueDate":"2006-04-21","closureDate":"2012-12-22","expirationDate":"2007-02-28","inactiveDate":"2012-12-22","status":"Inactive","statusLabel":"Inactive","active":false}],"businessLicenseSourceDate":"2026-07-28","signals":[{"kind":"record-pressure","level":"strong","title":"Records to verify together","summary":"Several independent, separately dated records stack up here and deserve prompt verification.","evidence":["8 open L&I violations","a lien number appears in the historical tax ledger through 2016","failed L&I inspection activity in 2022, 2023"],"caveat":"A screening signal, not a foreclosure prediction. Tax entries are historical and must be verified with Philadelphia Revenue."},{"kind":"post-purchase-work","level":"elevated","title":"Post-purchase work pattern","summary":"A recorded purchase followed by 3 permit events matches the early part of a renovate-and-resell sequence.","evidence":["purchase recorded in 2022","permit activity in 2023"],"caveat":"This does not show that the property is listed or that a sale is planned."}],"legalChecks":[{"id":"permit-status","level":"attention","title":"A permit row needs file-level verification","finding":"3 permits not marked completed: RP-2023-002385 (Expired), PP-2023-004577 (Expired), EP-2023-008902 (Expired). 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":"violations","level":"attention","title":"8 open L&I violations","finding":"14 violation rows are retained in the City ledger.","why":"Open notices can accrue fees, block permits or license renewal, and move to court or collection. Standard initial notices generally have a 30-day appeal window; unsafe or imminently-dangerous notices have a much shorter window.","action":"Read the notice—not only the summary status—and confirm reinspection, fees, and appeal posture with L&I.","url":"https://www.phila.gov/departments/department-of-licenses-and-inspections/inspections/violation-and-order-types/"},{"id":"investigations","level":"verify","title":"Failed inspections are dated events—not the current condition","finding":"11 failed, 1 passed, and 0 CLOSED investigation outcomes are in the fetched history; the latest dated visit was FAILED on Aug 31, 2023.","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.","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/"}],"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"}]}