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520 Spruce St

Philadelphia, PA, 19106

For Sale $1,360,000 ($542.26 per Sq Ft)

$1,360,000 ($542.26 per Sq Ft)

☆☆☆☆☆★★★★★
Not Rated
(0)

8 Bedrooms
6 Bathrooms
2,508 Sq Ft
1,370 Sq Ft

Description

Location, Location, Location! Prepare to fall in love with 520 Spruce Street, a charming and spacious triplex located in the heart of Society Hill, one of Philadelphia’s most sought-after neighborhoods.

This unique property boasts three distinct units, all with their own character and historic charm. The first floor welcomes you through a historic vestibule private entrance into a large residential space that transitions into a bilevel 3-bedroom, 2-bathroom unit, currently rented for $3,050/month. On the second floor, you’ll find a vacant 2-bedroom, 1-bathroom unit that was last rented for $2,200/month – an ideal option for an owner-occupant looking to subsidize their mortgage payment while make this historic building their home. The third and fourth floors offer a spacious bilevel 3-bedroom, 3-bathroom unit, rented for $3,272/month.

Each unit has been recently upgraded with brand-new kitchens while retaining the building's classic features such as high ceilings, historic fireplaces, and charming details throughout. Every unit also includes private outdoor space, perfect for enjoying the serene, tree-lined views of the neighborhood.

Situated in Society Hill, this property is surrounded by the city's rich history, with Independence Hall, the Liberty Bell, Washington Square Park, world-class museums, shops, boutiques, and restaurants just steps away. Commuting is a breeze with easy access to I-95, I-676, I-76, SEPTA bus routes, subway, and regional rail. This triplex offers a blend of historic charm and modern convenience in one of Philadelphia’s premier locations – a true gem for investors or owner-occupants alike!

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Amenities

Garage

Pool

Garden

Security System

Internet

Telephone

Heating

Fireplace

Balcony & Patio

TV / Cable

Laundry

Hardwood Floors

Spa

Air Conditioning

Solar Power

Floor Plan

Great Views

Natural Light

Quiet

Water View

Elevator

Guest Unit(s)

Furnished

220 Volt

Property Details

List Price	$1,360,000
Property Type	Single Family Homes
Usable Sqft	2,508
Number of Stories	0 stories
Parking Spots	0 spots
Year Built	1850
Last Sold	Unknown
Sold Price	Unknown

APN #	051151100
MLS #	PAPH2405356
Property ID	320905545
Lot Sqft	1,370
Zoning	RM1
Days on Market	177
Original List Price	Unknown
Date Updated	January 24, 2025
Date Created	October 06, 2024

Listing Provided By

Frank L DeFazio an agent of . Lic #RS299840

© 2025 Copyright BRIGHT, All Rights Reserved

The data relating to real estate for sale on this website appears in part through the BRIGHT Internet Data Exchange program, a voluntary cooperative exchange of property listing data between licensed real estate brokerage firms in which participates, and is provided by BRIGHT through a licensing agreement.

The information provided by this website is for the personal, non-commercial use of consumers and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing.

Some properties which appear for sale on this website may no longer be available because they are under contract, have Closed or are no longer being offered for sale.

Some real estate firms do not participate in IDX and their listings do not appear on this website. Some properties listed with participating firms do not appear on this website at the request of the seller.

This home sale information is not to be construed as an appraisal and may not be used as such for any purpose.

BRIGHT MLS is the (or a) provider of this home sale information and has compiled content from various sources. Some properties represented may not have actually sold due to reporting errors.

Information Deemed Reliable But Not Guaranteed

Data last updated: April 01, 2025.

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$9,676
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Estimated payment	$9,676 /mo
Loan amount	$1,360,000
Down payment	$0
Interest rate	7.5%
Loan term	30 years
Taxes & insurance included?	YES
Property tax	1.2%/YR
Homeowner's insurance	$67/mo
HOA dues	$0/mo

Payment Breakdown

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Your payment
$9,676
per month

Amortization

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Principal vs. interest

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Amortization Schedule

Over 360 months you will spend $2,063,667 in interest.

MONTH	PRINCIPAL & INTEREST	PRINCIPAL	INTEREST	PRINCIPAL REMAINING
1	$9,509	$1,009	$8,500	$1,358,991
2	$9,509	$1,015	$8,494	$1,357,976
3	$9,509	$1,022	$8,487	$1,356,954
4	$9,509	$1,028	$8,481	$1,355,926
5	$9,509	$1,034	$8,475	$1,354,892
6	$9,509	$1,041	$8,468	$1,353,851
7	$9,509	$1,047	$8,462	$1,352,803
8	$9,509	$1,054	$8,455	$1,351,749
9	$9,509	$1,061	$8,448	$1,350,689
10	$9,509	$1,067	$8,442	$1,349,621
11	$9,509	$1,074	$8,435	$1,348,548
12	$9,509	$1,081	$8,428	$1,347,467
13	$9,509	$1,087	$8,422	$1,346,380
14	$9,509	$1,094	$8,415	$1,345,286
15	$9,509	$1,101	$8,408	$1,344,185
16	$9,509	$1,108	$8,401	$1,343,077
17	$9,509	$1,115	$8,394	$1,341,962
18	$9,509	$1,122	$8,387	$1,340,840
19	$9,509	$1,129	$8,380	$1,339,711
20	$9,509	$1,136	$8,373	$1,338,576
21	$9,509	$1,143	$8,366	$1,337,433
22	$9,509	$1,150	$8,359	$1,336,283
23	$9,509	$1,157	$8,352	$1,335,125
24	$9,509	$1,164	$8,345	$1,333,961
25	$9,509	$1,172	$8,337	$1,332,789
26	$9,509	$1,179	$8,330	$1,331,610
27	$9,509	$1,186	$8,323	$1,330,424
28	$9,509	$1,194	$8,315	$1,329,230
29	$9,509	$1,201	$8,308	$1,328,029
30	$9,509	$1,209	$8,300	$1,326,820
31	$9,509	$1,216	$8,293	$1,325,603
32	$9,509	$1,224	$8,285	$1,324,379
33	$9,509	$1,232	$8,277	$1,323,148
34	$9,509	$1,239	$8,270	$1,321,908
35	$9,509	$1,247	$8,262	$1,320,661
36	$9,509	$1,255	$8,254	$1,319,407
37	$9,509	$1,263	$8,246	$1,318,144
38	$9,509	$1,271	$8,238	$1,316,873
39	$9,509	$1,279	$8,230	$1,315,595
40	$9,509	$1,287	$8,222	$1,314,308
41	$9,509	$1,295	$8,214	$1,313,014
42	$9,509	$1,303	$8,206	$1,311,711
43	$9,509	$1,311	$8,198	$1,310,400
44	$9,509	$1,319	$8,190	$1,309,081
45	$9,509	$1,327	$8,182	$1,307,754
46	$9,509	$1,336	$8,173	$1,306,418
47	$9,509	$1,344	$8,165	$1,305,074
48	$9,509	$1,352	$8,157	$1,303,722
49	$9,509	$1,361	$8,148	$1,302,361
50	$9,509	$1,369	$8,140	$1,300,992
51	$9,509	$1,378	$8,131	$1,299,614
52	$9,509	$1,386	$8,123	$1,298,228
53	$9,509	$1,395	$8,114	$1,296,833
54	$9,509	$1,404	$8,105	$1,295,429
55	$9,509	$1,413	$8,096	$1,294,016
56	$9,509	$1,421	$8,088	$1,292,595
57	$9,509	$1,430	$8,079	$1,291,165
58	$9,509	$1,439	$8,070	$1,289,726
59	$9,509	$1,448	$8,061	$1,288,277
60	$9,509	$1,457	$8,052	$1,286,820
61	$9,509	$1,466	$8,043	$1,285,354
62	$9,509	$1,476	$8,033	$1,283,878
63	$9,509	$1,485	$8,024	$1,282,393
64	$9,509	$1,494	$8,015	$1,280,899
65	$9,509	$1,503	$8,006	$1,279,396
66	$9,509	$1,513	$7,996	$1,277,883
67	$9,509	$1,522	$7,987	$1,276,361
68	$9,509	$1,532	$7,977	$1,274,829
69	$9,509	$1,541	$7,968	$1,273,288
70	$9,509	$1,551	$7,958	$1,271,737
71	$9,509	$1,561	$7,948	$1,270,176
72	$9,509	$1,570	$7,939	$1,268,606
73	$9,509	$1,580	$7,929	$1,267,026
74	$9,509	$1,590	$7,919	$1,265,436
75	$9,509	$1,600	$7,909	$1,263,836
76	$9,509	$1,610	$7,899	$1,262,226
77	$9,509	$1,620	$7,889	$1,260,605
78	$9,509	$1,630	$7,879	$1,258,975
79	$9,509	$1,640	$7,869	$1,257,335
80	$9,509	$1,651	$7,858	$1,255,684
81	$9,509	$1,661	$7,848	$1,254,023
82	$9,509	$1,671	$7,838	$1,252,352
83	$9,509	$1,682	$7,827	$1,250,670
84	$9,509	$1,692	$7,817	$1,248,978
85	$9,509	$1,703	$7,806	$1,247,275
86	$9,509	$1,714	$7,795	$1,245,561
87	$9,509	$1,724	$7,785	$1,243,837
88	$9,509	$1,735	$7,774	$1,242,102
89	$9,509	$1,746	$7,763	$1,240,356
90	$9,509	$1,757	$7,752	$1,238,599
91	$9,509	$1,768	$7,741	$1,236,832
92	$9,509	$1,779	$7,730	$1,235,053
93	$9,509	$1,790	$7,719	$1,233,263
94	$9,509	$1,801	$7,708	$1,231,462
95	$9,509	$1,812	$7,697	$1,229,650
96	$9,509	$1,824	$7,685	$1,227,826
97	$9,509	$1,835	$7,674	$1,225,991
98	$9,509	$1,847	$7,662	$1,224,144
99	$9,509	$1,858	$7,651	$1,222,286
100	$9,509	$1,870	$7,639	$1,220,416
101	$9,509	$1,881	$7,628	$1,218,535
102	$9,509	$1,893	$7,616	$1,216,642
103	$9,509	$1,905	$7,604	$1,214,737
104	$9,509	$1,917	$7,592	$1,212,820
105	$9,509	$1,929	$7,580	$1,210,891
106	$9,509	$1,941	$7,568	$1,208,950
107	$9,509	$1,953	$7,556	$1,206,997
108	$9,509	$1,965	$7,544	$1,205,032
109	$9,509	$1,978	$7,531	$1,203,054
110	$9,509	$1,990	$7,519	$1,201,064
111	$9,509	$2,002	$7,507	$1,199,062
112	$9,509	$2,015	$7,494	$1,197,047
113	$9,509	$2,027	$7,482	$1,195,020
114	$9,509	$2,040	$7,469	$1,192,980
115	$9,509	$2,053	$7,456	$1,190,927
116	$9,509	$2,066	$7,443	$1,188,861
117	$9,509	$2,079	$7,430	$1,186,782
118	$9,509	$2,092	$7,417	$1,184,691
119	$9,509	$2,105	$7,404	$1,182,586
120	$9,509	$2,118	$7,391	$1,180,468
121	$9,509	$2,131	$7,378	$1,178,337
122	$9,509	$2,144	$7,365	$1,176,193
123	$9,509	$2,158	$7,351	$1,174,035
124	$9,509	$2,171	$7,338	$1,171,864
125	$9,509	$2,185	$7,324	$1,169,679
126	$9,509	$2,199	$7,310	$1,167,480
127	$9,509	$2,212	$7,297	$1,165,268
128	$9,509	$2,226	$7,283	$1,163,042
129	$9,509	$2,240	$7,269	$1,160,802
130	$9,509	$2,254	$7,255	$1,158,548
131	$9,509	$2,268	$7,241	$1,156,280
132	$9,509	$2,282	$7,227	$1,153,998
133	$9,509	$2,297	$7,212	$1,151,701
134	$9,509	$2,311	$7,198	$1,149,390
135	$9,509	$2,325	$7,184	$1,147,065
136	$9,509	$2,340	$7,169	$1,144,725
137	$9,509	$2,354	$7,155	$1,142,371
138	$9,509	$2,369	$7,140	$1,140,001
139	$9,509	$2,384	$7,125	$1,137,618
140	$9,509	$2,399	$7,110	$1,135,219
141	$9,509	$2,414	$7,095	$1,132,805
142	$9,509	$2,429	$7,080	$1,130,376
143	$9,509	$2,444	$7,065	$1,127,932
144	$9,509	$2,459	$7,050	$1,125,472
145	$9,509	$2,475	$7,034	$1,122,997
146	$9,509	$2,490	$7,019	$1,120,507
147	$9,509	$2,506	$7,003	$1,118,001
148	$9,509	$2,521	$6,988	$1,115,480
149	$9,509	$2,537	$6,972	$1,112,943
150	$9,509	$2,553	$6,956	$1,110,389
151	$9,509	$2,569	$6,940	$1,107,820
152	$9,509	$2,585	$6,924	$1,105,235
153	$9,509	$2,601	$6,908	$1,102,634
154	$9,509	$2,618	$6,891	$1,100,016
155	$9,509	$2,634	$6,875	$1,097,383
156	$9,509	$2,650	$6,859	$1,094,732
157	$9,509	$2,667	$6,842	$1,092,065
158	$9,509	$2,684	$6,825	$1,089,382
159	$9,509	$2,700	$6,809	$1,086,681
160	$9,509	$2,717	$6,792	$1,083,964
161	$9,509	$2,734	$6,775	$1,081,230
162	$9,509	$2,751	$6,758	$1,078,479
163	$9,509	$2,769	$6,740	$1,075,710
164	$9,509	$2,786	$6,723	$1,072,924
165	$9,509	$2,803	$6,706	$1,070,121
166	$9,509	$2,821	$6,688	$1,067,300
167	$9,509	$2,838	$6,671	$1,064,462
168	$9,509	$2,856	$6,653	$1,061,606
169	$9,509	$2,874	$6,635	$1,058,732
170	$9,509	$2,892	$6,617	$1,055,840
171	$9,509	$2,910	$6,599	$1,052,930
172	$9,509	$2,928	$6,581	$1,050,002
173	$9,509	$2,946	$6,563	$1,047,055
174	$9,509	$2,965	$6,544	$1,044,090
175	$9,509	$2,983	$6,526	$1,041,107
176	$9,509	$3,002	$6,507	$1,038,105
177	$9,509	$3,021	$6,488	$1,035,084
178	$9,509	$3,040	$6,469	$1,032,044
179	$9,509	$3,059	$6,450	$1,028,985
180	$9,509	$3,078	$6,431	$1,025,908
181	$9,509	$3,097	$6,412	$1,022,811
182	$9,509	$3,116	$6,393	$1,019,694
183	$9,509	$3,136	$6,373	$1,016,558
184	$9,509	$3,156	$6,353	$1,013,403
185	$9,509	$3,175	$6,334	$1,010,227
186	$9,509	$3,195	$6,314	$1,007,032
187	$9,509	$3,215	$6,294	$1,003,817
188	$9,509	$3,235	$6,274	$1,000,582
189	$9,509	$3,255	$6,254	$997,327
190	$9,509	$3,276	$6,233	$994,051
191	$9,509	$3,296	$6,213	$990,755
192	$9,509	$3,317	$6,192	$987,438
193	$9,509	$3,338	$6,171	$984,101
194	$9,509	$3,358	$6,151	$980,742
195	$9,509	$3,379	$6,130	$977,363
196	$9,509	$3,400	$6,109	$973,962
197	$9,509	$3,422	$6,087	$970,541
198	$9,509	$3,443	$6,066	$967,098
199	$9,509	$3,465	$6,044	$963,633
200	$9,509	$3,486	$6,023	$960,147
201	$9,509	$3,508	$6,001	$956,639
202	$9,509	$3,530	$5,979	$953,109
203	$9,509	$3,552	$5,957	$949,557
204	$9,509	$3,574	$5,935	$945,982
205	$9,509	$3,597	$5,912	$942,386
206	$9,509	$3,619	$5,890	$938,767
207	$9,509	$3,642	$5,867	$935,125
208	$9,509	$3,664	$5,845	$931,460
209	$9,509	$3,687	$5,822	$927,773
210	$9,509	$3,710	$5,799	$924,063
211	$9,509	$3,734	$5,775	$920,329
212	$9,509	$3,757	$5,752	$916,572
213	$9,509	$3,780	$5,729	$912,792
214	$9,509	$3,804	$5,705	$908,988
215	$9,509	$3,828	$5,681	$905,160
216	$9,509	$3,852	$5,657	$901,308
217	$9,509	$3,876	$5,633	$897,432
218	$9,509	$3,900	$5,609	$893,532
219	$9,509	$3,924	$5,585	$889,608
220	$9,509	$3,949	$5,560	$885,659
221	$9,509	$3,974	$5,535	$881,685
222	$9,509	$3,998	$5,511	$877,687
223	$9,509	$4,023	$5,486	$873,663
224	$9,509	$4,049	$5,460	$869,615
225	$9,509	$4,074	$5,435	$865,541
226	$9,509	$4,099	$5,410	$861,441
227	$9,509	$4,125	$5,384	$857,316
228	$9,509	$4,151	$5,358	$853,166
229	$9,509	$4,177	$5,332	$848,989
230	$9,509	$4,203	$5,306	$844,786
231	$9,509	$4,229	$5,280	$840,557
232	$9,509	$4,256	$5,253	$836,301
233	$9,509	$4,282	$5,227	$832,019
234	$9,509	$4,309	$5,200	$827,710
235	$9,509	$4,336	$5,173	$823,375
236	$9,509	$4,363	$5,146	$819,012
237	$9,509	$4,390	$5,119	$814,621
238	$9,509	$4,418	$5,091	$810,204
239	$9,509	$4,445	$5,064	$805,759
240	$9,509	$4,473	$5,036	$801,286
241	$9,509	$4,501	$5,008	$796,785
242	$9,509	$4,529	$4,980	$792,256
243	$9,509	$4,557	$4,952	$787,698
244	$9,509	$4,586	$4,923	$783,112
245	$9,509	$4,615	$4,894	$778,498
246	$9,509	$4,643	$4,866	$773,854
247	$9,509	$4,672	$4,837	$769,182
248	$9,509	$4,702	$4,807	$764,480
249	$9,509	$4,731	$4,778	$759,749
250	$9,509	$4,761	$4,748	$754,989
251	$9,509	$4,790	$4,719	$750,198
252	$9,509	$4,820	$4,689	$745,378
253	$9,509	$4,850	$4,659	$740,528
254	$9,509	$4,881	$4,628	$735,647
255	$9,509	$4,911	$4,598	$730,736
256	$9,509	$4,942	$4,567	$725,794
257	$9,509	$4,973	$4,536	$720,821
258	$9,509	$5,004	$4,505	$715,817
259	$9,509	$5,035	$4,474	$710,782
260	$9,509	$5,067	$4,442	$705,716
261	$9,509	$5,098	$4,411	$700,617
262	$9,509	$5,130	$4,379	$695,487
263	$9,509	$5,162	$4,347	$690,325
264	$9,509	$5,194	$4,315	$685,130
265	$9,509	$5,227	$4,282	$679,903
266	$9,509	$5,260	$4,249	$674,644
267	$9,509	$5,292	$4,217	$669,351
268	$9,509	$5,326	$4,183	$664,026
269	$9,509	$5,359	$4,150	$658,667
270	$9,509	$5,392	$4,117	$653,275
271	$9,509	$5,426	$4,083	$647,849
272	$9,509	$5,460	$4,049	$642,389
273	$9,509	$5,494	$4,015	$636,895
274	$9,509	$5,528	$3,981	$631,366
275	$9,509	$5,563	$3,946	$625,803
276	$9,509	$5,598	$3,911	$620,206
277	$9,509	$5,633	$3,876	$614,573
278	$9,509	$5,668	$3,841	$608,905
279	$9,509	$5,703	$3,806	$603,202
280	$9,509	$5,739	$3,770	$597,463
281	$9,509	$5,775	$3,734	$591,688
282	$9,509	$5,811	$3,698	$585,877
283	$9,509	$5,847	$3,662	$580,029
284	$9,509	$5,884	$3,625	$574,146
285	$9,509	$5,921	$3,588	$568,225
286	$9,509	$5,958	$3,551	$562,267
287	$9,509	$5,995	$3,514	$556,273
288	$9,509	$6,032	$3,477	$550,240
289	$9,509	$6,070	$3,439	$544,170
290	$9,509	$6,108	$3,401	$538,062
291	$9,509	$6,146	$3,363	$531,916
292	$9,509	$6,185	$3,324	$525,732
293	$9,509	$6,223	$3,286	$519,509
294	$9,509	$6,262	$3,247	$513,247
295	$9,509	$6,301	$3,208	$506,945
296	$9,509	$6,341	$3,168	$500,605
297	$9,509	$6,380	$3,129	$494,225
298	$9,509	$6,420	$3,089	$487,804
299	$9,509	$6,460	$3,049	$481,344
300	$9,509	$6,501	$3,008	$474,844
301	$9,509	$6,541	$2,968	$468,302
302	$9,509	$6,582	$2,927	$461,720
303	$9,509	$6,623	$2,886	$455,097
304	$9,509	$6,665	$2,844	$448,432
305	$9,509	$6,706	$2,803	$441,726
306	$9,509	$6,748	$2,761	$434,978
307	$9,509	$6,790	$2,719	$428,187
308	$9,509	$6,833	$2,676	$421,355
309	$9,509	$6,876	$2,633	$414,479
310	$9,509	$6,919	$2,590	$407,561
311	$9,509	$6,962	$2,547	$400,599
312	$9,509	$7,005	$2,504	$393,594
313	$9,509	$7,049	$2,460	$386,545
314	$9,509	$7,093	$2,416	$379,451
315	$9,509	$7,137	$2,372	$372,314
316	$9,509	$7,182	$2,327	$365,132
317	$9,509	$7,227	$2,282	$357,905
318	$9,509	$7,272	$2,237	$350,633
319	$9,509	$7,318	$2,191	$343,315
320	$9,509	$7,363	$2,146	$335,952
321	$9,509	$7,409	$2,100	$328,543
322	$9,509	$7,456	$2,053	$321,087
323	$9,509	$7,502	$2,007	$313,585
324	$9,509	$7,549	$1,960	$306,036
325	$9,509	$7,596	$1,913	$298,440
326	$9,509	$7,644	$1,865	$290,796
327	$9,509	$7,692	$1,817	$283,104
328	$9,509	$7,740	$1,769	$275,365
329	$9,509	$7,788	$1,721	$267,577
330	$9,509	$7,837	$1,672	$259,740
331	$9,509	$7,886	$1,623	$251,855
332	$9,509	$7,935	$1,574	$243,920
333	$9,509	$7,985	$1,525	$235,935
334	$9,509	$8,034	$1,475	$227,901
335	$9,509	$8,085	$1,424	$219,816
336	$9,509	$8,135	$1,374	$211,681
337	$9,509	$8,186	$1,323	$203,495
338	$9,509	$8,237	$1,272	$195,258
339	$9,509	$8,289	$1,220	$186,969
340	$9,509	$8,340	$1,169	$178,629
341	$9,509	$8,393	$1,116	$170,236
342	$9,509	$8,445	$1,064	$161,791
343	$9,509	$8,498	$1,011	$153,293
344	$9,509	$8,551	$958	$144,742
345	$9,509	$8,604	$905	$136,138
346	$9,509	$8,658	$851	$127,480
347	$9,509	$8,712	$797	$118,768
348	$9,509	$8,767	$742	$110,001
349	$9,509	$8,821	$688	$101,179
350	$9,509	$8,877	$632	$92,303
351	$9,509	$8,932	$577	$83,371
352	$9,509	$8,988	$521	$74,383
353	$9,509	$9,044	$465	$65,339
354	$9,509	$9,101	$408	$56,238
355	$9,509	$9,158	$351	$47,081
356	$9,509	$9,215	$294	$37,866
357	$9,509	$9,272	$237	$28,593
358	$9,509	$9,330	$179	$19,263
359	$9,509	$9,389	$120	$9,875
360	$9,509	$9,447	$62	$0

Our powerful mortgage calculator tools helps you estimate your potential mortgage payment on the purchase of a property. Use our tool to find the ideal combination of interest rates, downpayment and real estate purchase price to see the payment that best suits you. Please consult a licensed loan officer to be pre-approved for financing options.