312 MEADOW TRAIL
Sheriff sale York County Sheriff attorney portal · checked Aug 28, 2026
Sale dateOct 5, 2026Case #2012-SU-001213-06PlaintiffMORGAN STANLEY MORTGAGE LOAN TRUST 2006-11, U.S. BANK NATIONAL ASSOCIATION, AS TRUSTEE, SUCCESSOR IN INTEREST TO BANK OF AMERICA, NATIONAL ASSOCIATION, AS TRUSTEE, SUCCESSOR BY MERGER TO LASALLE BANKDefendantSANTO, JOY M.AttorneySTERN & EISENBERG, PC · 215-572-8111Judgment$672,317Opening bid$1,265,237Parcel38000PE0048K000000Sourcecounty listing ↗
AVM value$1,238,000
RealEstateAPI estimate, Aug 21, 2026 — not an appraisal
Judgment$672,317
county filing
Opening bid / upset$1,265,237
york.pa.realforeclose.com
Title position1st? Likely senior
model from REAPI mortgage records — not a title search
Rehab (modeled)$306,000
model: heavy tier · $55/sqft × 5,555 sqft — no inspection; range $214,000–$428,000
Potential profit$-432,277
model — breakdown below
Title position (model): Foreclosing lien appears to be the senior mortgage (Monticello Bank, recorded First) (matched by judgment-to-loan amount only — plaintiff name doesn't match, likely an assignment). Junior liens are typically divested; taxes/municipal claims can still prime. Inputs: the open-mortgage records shown below.
How the profit estimate is computed methodology
| Line | Source | Amount |
|---|---|---|
| AVM value | RealEstateAPI, fetched Aug 21, 2026 | $1,238,000 |
| Purchase basis (opening bid) | york.pa.realforeclose.com | − $1,265,237 |
| Rehab (heavy tier) | model: $55/sqft × 5,555 sqft, no inspection | − $306,000 |
| Selling & holding | model: 8% of AVM value | − $99,040 |
| Potential profit | screening estimate — not underwriting | $-432,277 |
Valuation RealEstateAPI · Aug 21, 2026
AVM value (estimate)$1,238,000Est. open loans$656,000Owner equity$929,954Assessed value$537,960County market value$537,960Annual taxes$15,350
Property RealEstateAPI (county assessor data)
TypeSingle Family ResidenceBeds3Baths3Living area5,555 sqftLot392,040 sqftYear built2005
Ownership RealEstateAPI (deed/assessor records)
OwnerLouis Santo & Joy SantoOwner occupiedYesVacantNoYears owned21.9Last saleSep 17, 2004 · $115,000Distress flagsauction, preForeclosure
Flags come from RealEstateAPI's nationwide database and can miss county-level (Prothonotary) filings — treat "none" as "none reported", not clear title.
Open mortgages RealEstateAPI recorded-mortgage data — original amounts, not payoff balances
| Position | Date | Lender | Original amount | Type |
|---|---|---|---|---|
| First | Jan 4, 2006 | Monticello Bank | $656,000 | Fannie Mae/Freddie Mac (Phased Out Keying In 2008 Because Fannie Mae Does Not Originate Loans Directly To Borrowers Or Investors. Most "New Conventional" Loans Meet Their General Underwriting Guidelines.) |
| Second | Feb 13, 2006 | Members 1st Fcu | $30,000 | Unknown |
Mortgage history RealEstateAPI recorded-mortgage data
| Date | Lender | Amount | Type |
|---|---|---|---|
| Feb 13, 2006 | Members 1st Fcu | $30,000 | Unknown |
| Jan 4, 2006 | Monticello Bank | $656,000 | Fannie Mae/Freddie Mac (Phased Out Keying In 2008 Because Fannie Mae Does Not Originate Loans Directly To Borrowers Or Investors. Most "New Conventional" Loans Meet Their General Underwriting Guidelines.) |
| Apr 6, 2007 | Jpmorgan Chase Bank Na | $180,000 | Credit Line (Revolving) / HELOC |
Sale history RealEstateAPI deed records
| Date | Amount | Buyer | Seller |
|---|---|---|---|
| Sep 17, 2004 | $115,000 | Louis A Santo, Joy M Santo | Barbara A Bressler |