301 SWINEHART ROAD
Sheriff sale Chester County sheriff sales on Bid4Assets · checked Aug 28, 2026
Sale dateSep 17, 2026Case #25-4-86 / 2024-05825-SSHPlaintiffHSBC BANK USA, N.A.,DefendantWHITEMAN, E. MARIE et alAttorneyRIZZO, NICOLEJudgment$265,785Sourcecounty listing ↗
AVM value$405,000
RealEstateAPI estimate, Aug 21, 2026 — not an appraisal
Judgment$265,785
county filing
Opening bid / upset—
not published yet — most counties post near/on sale day
Title position1st? Likely senior
model from REAPI mortgage records — not a title search
Rehab (modeled)$44,000
model: medium tier · $35/sqft × 1,260 sqft — no inspection; range $31,000–$62,000
Potential profit$62,815
model — breakdown below
Title position (model): Foreclosing lien appears to be the senior mortgage (Peoples Choice Home Loan 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 | $405,000 |
| Purchase basis (judgment) | county filing — actual price is set by bidding and can exceed this | − $265,785 |
| Rehab (medium tier) | model: $35/sqft × 1,260 sqft, no inspection | − $44,000 |
| Selling & holding | model: 8% of AVM value | − $32,400 |
| Potential profit | screening estimate — not underwriting | $62,815 |
Valuation RealEstateAPI · Aug 21, 2026
AVM value (estimate)$405,000Est. open loans$185,000Owner equity$321,348Assessed value$127,500County market value$128,850Annual taxes$6,787
Property RealEstateAPI (county assessor data)
TypeSingle Family ResidenceBeds3Baths2Living area1,260 sqftLot52,272 sqftYear built1988
Ownership RealEstateAPI (deed/assessor records)
OwnerRichard Whiteman Jr & E WhitemanOwner occupiedYesVacantNoDistress flagsNone reported
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 | Feb 21, 2006 | Peoples Choice Home Loan Inc | $185,000 | 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.) |
Mortgage history RealEstateAPI recorded-mortgage data
| Date | Lender | Amount | Type |
|---|---|---|---|
| Feb 21, 2006 | Peoples Choice Home Loan Inc | $185,000 | 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.) |
| Jan 29, 2010 | Td Bank Na | $117,481 | Commercial |
| Jan 13, 2010 | Horseshoe Village Associates Llc | $80,000 | Open End Mortgage / Open End with Future Advance Clause |
| Apr 14, 2005 | Peoples Choice Home Loan Inc | $155,000 | 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 14, 2005 | Peoples Choice Home Loan Inc | $155,000 | 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.) |