7270 HARMONY GROVE ROAD
Sheriff sale York County Sheriff attorney portal · checked Aug 28, 2026
Sale dateDec 7, 2026Case #2018-SU-003254PlaintiffU.S. BANK TRUST NATIONAL ASSOCIATION, NOT IN ITS INDIVIDUAL CAPACITY BUT SOLELY AS OWNER TRUSTEE FOR RCAF ACQUISITION TRUSTDefendantSMITH, PATRICIA A.AttorneyKML LAW GROUP, P.C. · (215) 627-1322Judgment$201,151Opening bid$2,085Parcel49000LE0002B000000Sourcecounty listing ↗
AVM value$306,000
RealEstateAPI estimate, Aug 21, 2026 — not an appraisal
Judgment$201,151
county filing
Opening bid / upset$2,085
york.pa.realforeclose.com — costs-only start; plaintiff can credit-bid to judgment
Title position1st? Likely senior
model from REAPI mortgage records — not a title search
Rehab (modeled)$45,000
model: medium tier · $35/sqft × 1,296 sqft — no inspection; range $31,000–$63,000
Potential profit$35,369
model — breakdown below
Title position (model): Foreclosing lien appears to be the senior mortgage (Citimortgage Inc, 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 | $306,000 |
| Purchase basis (judgment) | county filing — actual price is set by bidding and can exceed this | − $201,151 |
| Rehab (medium tier) | model: $35/sqft × 1,296 sqft, no inspection | − $45,000 |
| Selling & holding | model: 8% of AVM value | − $24,480 |
| Potential profit | screening estimate — not underwriting | $35,369 |
Valuation RealEstateAPI · Aug 21, 2026
AVM value (estimate)$306,000Est. open loans$143,900Owner equity$236,316Assessed value$134,580County market value$134,580Annual taxes$3,666
Property RealEstateAPI (county assessor data)
TypeSingle Family ResidenceBeds2Baths1Living area1,296 sqftLot48,439 sqftYear built1956
Ownership RealEstateAPI (deed/assessor records)
OwnerGallen Smith & Patricia SmithOwner occupiedYesVacantNoYears owned19.7Last saleDec 15, 2006 · $179,900Distress 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 | Dec 15, 2006 | Citimortgage Inc | $143,900 | Unknown |
Mortgage history RealEstateAPI recorded-mortgage data
| Date | Lender | Amount | Type |
|---|---|---|---|
| Dec 15, 2006 | Citimortgage Inc | $143,900 | Unknown |
| Aug 3, 2012 | Mers, Inc., As Nominee For Citimortgage, Inc. | $143,900 | — |
| Aug 30, 2006 | Fulton Bank | $35,500 | Unknown |
| Jul 28, 2006 | Pennsylvania Housing Finance Agency | $24,221 | Unknown |
| Jul 22, 2005 | Commerce Bank-Harrisburg Na | $65,000 | Credit Line (Revolving) / HELOC |
| Mar 11, 2005 | Commerce Bank/Harrisburg Na | $36,319 | Unknown |
Sale history RealEstateAPI deed records
| Date | Amount | Buyer | Seller |
|---|---|---|---|
| Dec 15, 2006 | $179,900 | Gallen D Smith, Patricia A Smith | Emanuel S Ruhlman, Virginia Ruhlman |
| Mar 27, 2000 | $130,000 | Emanuel S Ruhlman | David C Rishel, Valerie A Rishel |