{"asOf":"2026-07-29T09:25:10.629Z","block":"400-499 E GIRARD AVE","blockUrl":"https://philadelphia.blockreport.homes/block/400-499-e-girard-ave","address":"423-25 E GIRARD AVE","parcelNumber":"882963460","source":"https://property.phila.gov/?p=882963460","ownerType":"investor","kind":"commercial","isHouse":false,"home":false,"commercial":true,"residential":false,"taxExempt":false,"institutional":false,"buildingCode":"EB0","buildingCodeNew":"240","buildingClass":"BANK/OFF 2 STY MASONRY","buildingClassNew":"BANK","useLabel":"Bank","owner":"423 E GIRARD LLC","coOwner":null,"marketValue":1332000,"landAssessment":266400,"improvementAssessment":1065600,"livableArea":2415,"yearBuilt":1950,"lastSale":{"price":341250,"date":"2024-09-30T04:00:00Z"},"openViolations":0,"violations":[],"violationCases":[],"investigations":[],"taxOwed":0,"taxSnapshot":{"available":true,"asOf":"2022-06","matched":false},"taxDelinquencySnapshotAsOf":"2022-06","taxDelinquencySnapshotAvailable":true,"lat":39.970654826918334,"lng":-75.12989699767151,"geom":{"type":"Polygon","coordinates":[[[-75.129853318,39.970578627],[-75.129890161,39.970565316],[-75.12997921,39.970717248],[-75.129902866,39.970743829],[-75.129815136,39.970591908],[-75.129853318,39.970578627]]]},"liDistrict":"CENTRAL EAST","certifications":[],"cityRecordAvailability":{"violations":true,"investigations":true,"appeals":true,"certifications":true,"permits":true,"licenses":true},"zip":"19125","beds":null,"baths":null,"stories":2,"lotArea":1410,"zoning":"CMX2","grade":"C","basement":null,"heater":null,"centralAir":null,"extCond":"4","intCond":"4","garage":null,"homestead":false,"mail":"1328 GABRIEL LANE, WARMINSTER PA, 18974","mailOut":true,"appeals":[],"taxYears":[],"taxNet":0,"taxLien":false,"taxLedgerThrough":2016,"taxLedgerAvailable":true,"timesSold":0,"abated":false,"assessmentExemption":false,"exemptionBasisVerified":false,"valueSeries":[{"y":2016,"v":707000,"taxable":707000,"land":14100,"improvement":692900,"taxableLand":14100,"taxableImprovement":692900,"exemptLand":0,"exemptImprovement":0},{"y":2017,"v":707000,"taxable":707000,"land":14100,"improvement":692900,"taxableLand":14100,"taxableImprovement":692900,"exemptLand":0,"exemptImprovement":0},{"y":2018,"v":786500,"taxable":786500,"land":157279,"improvement":629221,"taxableLand":157279,"taxableImprovement":629221,"exemptLand":0,"exemptImprovement":0},{"y":2019,"v":786300,"taxable":786300,"land":157260,"improvement":629040,"taxableLand":157260,"taxableImprovement":629040,"exemptLand":0,"exemptImprovement":0},{"y":2020,"v":786300,"taxable":786300,"land":157260,"improvement":629040,"taxableLand":157260,"taxableImprovement":629040,"exemptLand":0,"exemptImprovement":0},{"y":2021,"v":786300,"taxable":786300,"land":157260,"improvement":629040,"taxableLand":157260,"taxableImprovement":629040,"exemptLand":0,"exemptImprovement":0},{"y":2022,"v":786300,"taxable":786300,"land":157260,"improvement":629040,"taxableLand":157260,"taxableImprovement":629040,"exemptLand":0,"exemptImprovement":0},{"y":2023,"v":1086800,"taxable":1086800,"land":217350,"improvement":869450,"taxableLand":217350,"taxableImprovement":869450,"exemptLand":0,"exemptImprovement":0},{"y":2024,"v":1086800,"taxable":1086800,"land":217350,"improvement":869450,"taxableLand":217350,"taxableImprovement":869450,"exemptLand":0,"exemptImprovement":0},{"y":2025,"v":345000,"taxable":345000,"land":69000,"improvement":276000,"taxableLand":69000,"taxableImprovement":276000,"exemptLand":0,"exemptImprovement":0},{"y":2026,"v":380000,"taxable":380000,"land":76000,"improvement":304000,"taxableLand":76000,"taxableImprovement":304000,"exemptLand":0,"exemptImprovement":0},{"y":2027,"v":1332000,"taxable":1332000,"land":266400,"improvement":1065600,"taxableLand":266400,"taxableImprovement":1065600,"exemptLand":0,"exemptImprovement":0}],"taxNow":5319,"familyHeld":false,"lastTransferNominal":false,"permits":[{"number":"124252","date":"2008-01-03","work":"Use","type":"ZP_USE","description":"USE PERMIT","status":"COMPLETED","completedDate":"2008-01-03","scope":"ADDING ATM PER PLANS"},{"number":"124319","date":"2008-02-14","work":"Major alteration","type":"BP_ALTER","description":"ALTERATION PERMIT","status":"COMPLETED","completedDate":"2008-10-03","scope":"ADDING ATM"},{"number":"132569","date":"2008-03-06","work":"Major alteration","type":"BP_ALTER","description":"ALTERATION PERMIT","status":"COMPLETED","completedDate":"2008-08-12","scope":"PREVIOUS PERMIT AP #124319 / EXTERIOR WORK INFILL 2 WINDOWS W/MASONARY REPLACE STOREFRONT AND 2 WINDOWS ON 2ND FL. W/ALUMINUM GLASS MASONRY REPAIR AS PER PLANS"},{"number":"156375","date":"2008-06-25","work":"Electrical","type":"EP_ELECTRL","description":"ELECTRICAL PERMIT","status":"COMPLETED","completedDate":null,"scope":"9 LIGHT FIXTURES, 3 RECEPTS, PHONE WIRING, SECURITY WIRING ON FRONT DOOR, HVAC POWER WIRING, 100AMP SINGLE PHASE PANEL AS PER 2005 NEC (EAST DISTRICT)"},{"number":"164649","date":"2008-07-24","work":"Mechanical","type":"BP_MECH","description":"MECHANICAL PERMIT","status":"COMPLETED","completedDate":"2008-10-03","scope":"HVAC INCLUDING DUCTWORK ON 1ST AND 2ND FLOOR WITHIN EXISTING BANK."},{"number":"178782","date":"2008-10-30","work":"Mechanical","type":"BP_MECH","description":"MECHANICAL PERMIT","status":"COMPLETED","completedDate":"2008-12-03","scope":"REPLACE EXISTING ROOF TOP A/C & HEAT UNIT WITH A NEW UNIT REUSE EXISTING DUCTWORK AND GRILLS ADD NEW CONTROLS AND SMOKE DETECTORS FOR BANK"},{"number":"339320","date":"2011-05-05","work":"Plumbing","type":"PP_PLUMBNG","description":"PLUMBING PERMIT","status":"COMPLETED","completedDate":"2011-11-15","scope":"FULL WATER SERVICE"},{"number":"653795","date":"2015-11-23","work":"Plumbing","type":"PP_PLUMBNG","description":"PLUMBING PERMIT","status":"COMPLETED","completedDate":"2015-12-05","scope":"REPLACE STORM/SANITARY HOUSE TRAP, FAI & MAIN DRAIN - PA1# 2015-3260181 \"SELF-CERTIFICATION'S ARE NO LONGER PERMITTED\" - \"ALL EXCAVATIONS AND PLUMBING TRENCHES IN EXCESS OF 5 FEET IN DEPTH MUST HAVE APPROVED SHORING IN PLACE AT THE TIME OF INSPECTION\""},{"number":"891359","date":"2018-08-03","work":"Electrical","type":"EP_ELECTRL","description":"ELECTRICAL PERMIT","status":"COMPLETED","completedDate":null,"scope":"REPLACEMENT IN KIND- 20- LOW VOLTAGE CCTV CAMERAS... PER 2008 NEC (BANK)"},{"number":"904381","date":"2018-08-28","work":"New Construction","type":"Electrical","description":"Electrical Permit","status":"Expired","completedDate":"2022-07-27","scope":"PRICE ADJUSTMENT FROM AP#891359: REPLACEMENT IN KIND- 20- LOW VOLTAGE CCTV CAMERAS... PER 2008 NEC (BANK)"},{"number":"1012990","date":"2019-10-29","work":"Major alteration","type":"BP_ALTER","description":"ALTERATION PERMIT","status":"COMPLETED","completedDate":"2020-02-26","scope":"INTERIOR RENOVATIONS AS PER APPROVED PLANS"},{"number":"1026835","date":"2019-12-13","work":"Electrical","type":"EP_ELECTRL","description":"ELECTRICAL PERMIT","status":"COMPLETED","completedDate":"2019-12-30","scope":"ADD NEW OUTLETS FED FROM EXISTING DEVICES-INSTALL ROUGH IN LOCATIONS FOR TELE/DATA-RELOCATE 2 EXISTING FIRE ALARM DEVICES. AS PER THE 2017 NEC.(EAST DIST.)"},{"number":"1025018","date":"2020-01-09","work":"Addition and/or Alteration","type":"Building","description":"Commercial Building Permit","status":"Expired","completedDate":"2022-08-01","scope":"FOR THE CONSTRUCTION OF AN ACCESSIBLE RAMP AT THE FRONT ENTRY DOOR OF AN EXISTING BUILDING PER APPROVED PLANS."}],"storyTag":"New construction","storyDelta":null,"timeline":[{"y":2008,"k":"permit","w":"Major alteration"},{"y":2008,"k":"permit","w":"Major alteration"},{"y":2008,"k":"permit","w":"Electrical"},{"y":2008,"k":"permit","w":"Mechanical"},{"y":2008,"k":"permit","w":"Mechanical"},{"y":2011,"k":"permit","w":"Plumbing"},{"y":2015,"k":"permit","w":"Plumbing"},{"y":2018,"k":"permit","w":"Electrical"},{"y":2018,"k":"permit","w":"New Construction"},{"y":2019,"k":"permit","w":"Major alteration"},{"y":2019,"k":"permit","w":"Electrical"},{"y":2020,"k":"permit","w":"Addition and/or Alteration"}],"rented":false,"licenses":[],"licenseActivity":[],"businessLicenseSourceDate":"2026-07-28","signals":[{"kind":"permit-mismatch","level":"watch","title":"Assessment/permit mismatch","summary":"The assessment jumped 251% in 2027, but no matching permit appears in the property timeline.","evidence":["assessment moved from $380,000 to $1,332,000","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 #124252: 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":"permit-status","level":"attention","title":"A permit row needs file-level verification","finding":"2 permits not marked completed: 904381 (Expired), 1025018 (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":"building-certifications","level":"verify","title":"A fire-system permit exists, but no annual certification matched","finding":"1 fire/suppression-related permit matched; the fetched BIN certification feed returned no row.","why":"Installed systems in mixed-use and larger buildings generally require periodic certification, but applicability and limited-area exceptions vary. A missing BIN/address join is not proof of a compliance failure.","action":"Confirm what system was installed and whether a current annual certificate is required and filed.","url":"https://www.phila.gov/departments/department-of-licenses-and-inspections/inspections/maintenance-certifications/fire-protection-certifications/"},{"id":"commercial-trash","level":"verify","title":"A separate Commercial Trash account may apply","finding":"OPA classifies the parcel as commercial. 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/"}],"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/"}]}