Before an insurer binds or a lender funds, two questions decide the deal: what is this property's risk, and what is it worth? ALKARTIS assembles both from Philadelphia's public record — a property's risk signals and an assessed, comparable-backed value — with every figure traceable to a checkable source. It does not quote premiums or stand in for a licensed appraisal, and this page is explicit about exactly where that line sits.
Underwriting a property from the public record means touching four systems at once: the property's own condition and code history, the owner behind it, the financial distress on the parcel, and what comparable properties are actually worth. Done by hand, that's a tour of L&I, the courts, the tax rolls, and the assessment data. ALKARTIS does the connecting once and keeps every figure sourced, so a pre-bind or pre-close check becomes a single read — in Philadelphia today.
The physical and operating risk of a property lives in its record: open code violations, rental-licensing status, imminently dangerous and unsafe-structure cases, exterior condition, and eviction-filing history. LandlordEye connects those Philadelphia records and resolves them to the owner behind the property — including holdings spread across shell LLCs — so you can see both the parcel's condition and the track record of who controls it. For an underwriter or a lender, that's the difference between a clean-looking single file and the pattern that file belongs to.
The risk that surprises you later was usually in the public record all along — just spread across four systems that don't talk to each other.
Tax distress is a leading indicator of trouble on a parcel. TaxSaleSignal places each property on the tax-distress funnel — current, delinquent, tax lien on file, or exposed to sheriff's-sale risk — and rolls it up across an owner's whole portfolio. One honesty boundary to carry into any file: the exposure stage is an estimate from delinquency depth and lien status, not the Sheriff's official sale calendar. It's a risk signal to weigh, not a confirmed sale date.
TaxAssessmentIQ works from the City's Office of Property Assessment records, so you can anchor a property to its certified market-value assessment and to comparable recorded sales — an evidence-based valuation you can show your work on. Be clear on what this is: an assessed, comparable-backed value, not a licensed fee appraisal and not a replacement-cost or rebuild estimate. It's the number to sanity-check exposure against, sourced and reproducible.
Risk doesn't stop at underwriting. BlockWatcher watches block-level activity — new permits, code violations, and 311 signals, plus nearby crime incidents — around an address you've bound or funded, so a new violation on a covered building or a shift on the block reaches you instead of waiting for renewal or a claim.
Being useful to underwriters means being exact about scope. Here is precisely what ALKARTIS does and doesn't do:
Carriers, lenders, and diligence teams usually want these signals inside their own systems. That's an Enterprise engagement: API access to the Intelligence Engine, the ability to connect additional data, and team seats and SSO. If you want sourced Philadelphia property signals feeding your underwriting, talk to our team.
No. ALKARTIS surfaces public-record risk signals and an assessed, comparable-backed value — the inputs an underwriter reasons from. It does not price policies, quote premiums, or carry any carrier or claims data. Rating stays with you.
No. The value is the City's certified market-value assessment plus comparable recorded sales — an evidence-based valuation, not a licensed fee appraisal and not a replacement-cost or rebuild figure. Replacement cost needs a licensed construction-cost dataset or your own data, which can be connected through an Enterprise engagement.
Not in the standard tools today. FEMA flood-hazard zones are public data and can be added as a layer, and additional risk or peril data you license can be connected — both through an Enterprise engagement. The live tools cover the property, owner, condition, distress, and neighborhood signals from Philadelphia's public record.
Philadelphia. LandlordEye, TaxSaleSignal, TaxAssessmentIQ, and BlockWatcher all run on live Philadelphia public records now. Additional cities come online over time and can be prioritized through an Enterprise engagement.
Yes — API access to the Intelligence Engine is part of the Enterprise tier. There is no self-serve public API. Talk to our team about feeding ALKARTIS's sourced signals into your own models.
See how LandlordEye, TaxSaleSignal, TaxAssessmentIQ, and BlockWatcher assemble a property's risk and value before you bind or lend — and how the signals feed your own models via API. Our team can walk you through it.