102 NORTHSIDE ROAD
Sheriff sale Chester County sheriff sales on Bid4Assets · checked Aug 28, 2026
Sale dateNov 19, 2026Case #26-11-179 / 2025-04455-SSHPlaintiffU.S. BANK TRUST NATIONAL ASSOCIATIONDefendantUMSTEAD JR., MICHAEL J.AttorneyTREGLIA, CAROLYNJudgment$216,029Sourcecounty listing ↗
AVM value$343,000
RealEstateAPI estimate, Aug 21, 2026 — not an appraisal
Judgment$216,029
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)$49,000
model: medium tier · $35/sqft × 1,404 sqft — no inspection; range $34,000–$69,000
Potential profit$50,531
model — breakdown below
Title position (model): Foreclosing lien appears to be the senior mortgage (Mortgage America 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 | $343,000 |
| Purchase basis (judgment) | county filing — actual price is set by bidding and can exceed this | − $216,029 |
| Rehab (medium tier) | model: $35/sqft × 1,404 sqft, no inspection | − $49,000 |
| Selling & holding | model: 8% of AVM value | − $27,440 |
| Potential profit | screening estimate — not underwriting | $50,531 |
Valuation RealEstateAPI · Aug 21, 2026
AVM value (estimate)$343,000Est. open loans$164,803Owner equity$202,116Assessed value$109,220County market value$109,220Annual taxes$4,535
Property RealEstateAPI (county assessor data)
TypeRanchBeds3Baths1Living area1,404 sqftLot27,007 sqftYear built1964
Ownership RealEstateAPI (deed/assessor records)
OwnerMichael Umstead JrOwner occupiedNoVacantNoYears owned7.3Last saleMay 7, 2019 · $169,900Distress 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 | May 7, 2019 | Mortgage America Inc | $164,803 | Conventional |
Mortgage history RealEstateAPI recorded-mortgage data
| Date | Lender | Amount | Type |
|---|---|---|---|
| May 7, 2019 | Mortgage America Inc | $164,803 | Conventional |
| Sep 1, 2021 | Mortgage Electronic Registration Systems Inc As Mortgagee As Nominee For Mortgage America Incorporated Its Successors And Assigns | $164,803 | — |
| Jul 2, 2013 | Wells Fargo Bank Na | $214,300 | VA |
| Nov 1, 2010 | Trident Mortgage Company Lp | $220,000 | VA |
| Feb 23, 2009 | Wells Fargo Bank Na | $126,000 | Unknown |
| Apr 22, 2005 | National Pennsylvania Bank | $52,000 | Unknown |
Sale history RealEstateAPI deed records
| Date | Amount | Buyer | Seller |
|---|---|---|---|
| May 7, 2019 | $169,900 | Michael J Umstead Jr | Joshua Kimbro, Stephanie Estes |
| Feb 26, 2010 | $220,000 | Joshua Kimbro, Stephanie Estes | Richard W Whitlock Iii, Sarah E Smith |
| Sep 25, 1998 | $92,800 | W Richard Whitlock Iii, Sarah E Smith | Philip A Shive |