Scan the Block · for lender or underwriter

The collateral's record, read before the appraisal is ordered.

An appraisal values the building; this report reads its record. Open violations from two agencies that ride with the title, every permit filed against the lot and which were actually issued, flood standing on the map insurers use, and what the Department of Finance assesses the lot at — the file a credit memo quotes, with every figure carrying its source and its date.

The questions it answers

What obligations transfer at close?
Are there open permits on this building?
What is the building's violation record, from both agencies?
Does San Francisco publish liens or defaults?
Is there a retrofit deadline attached?
Which flood zone is it in?

The sections that earn their keep

FEMA flood zoneThe lender's map, distinguished from the city's own storm layers — with the panel and its effective date.

What transfers with the buildingOpen violations from both agencies ride with the building, and the permit record says what was filed against the lot and what was actually issued. This city runs no seismic retrofit programme and issues no single certificate at sale.

The building's permitsOpen permits are open liabilities; the report counts them rather than assuming completion.

What the assessment is and is notThe Department of Finance's figure for the tax lot, split into land and the improvement above it. Assessed at a fraction of market value and capped on the way up, so the gap between it and a price is usually large.

What changed hands nearbyTransfer activity on the block from the roll, labeled as assessments, never as prices.

Nothing here needs a compliance read. The report contains no scores, grades or rankings — no safety rating, no school grade, no neighborhood letter. Those are the classic proxies for what the Fair Housing Act protects, and this product refuses them by design: you get counts, comparisons and sources. It names no person, and it is not a consumer report.

Written for you

How to read a New York reportFour agencies keep the record here and none of them keys it the same way. Which number comes from where, and why two of them are not supposed to agree.Why the borough is not optional350 Broadway is a real address in more than one borough, and they are different buildings. This is the one thing a New York lookup cannot guess.Assessed is not market, and here the gap is the pointNew York assesses most property at a fraction of what it would fetch and limits how fast that figure may climb. A $577m assessment is not an estimate of the price.Built against allowed: the floor area ratioThe single most useful number on a New York lot, and one no other city in this product publishes. The Empire State Building is at 308% of what its own zoning now allows.

See it on a real address

Run any New York City address and the report reads that city's portal live, at the moment you ask. Plans start at $49 a month, billed monthly or annually, and re-reading a report you have run is always free.

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Also written for: buying a home · renting · owner or landlord · agent or broker · investor · developer or builder · insurance · hoa or property management · attorney or other professional · contractor or trade