1146 COTTON STREET
Sheriff sale Berks County Sheriff sale portal · checked Aug 28, 2026
Sale dateNov 6, 2026Case #25-15037PlaintiffAMOS FINANCIAL LLCDefendantMEDINA, ANDRESAttorneyFEIN, SUCH, KAHN & SHEPARD, PCJudgment$146,299Opening bid$1Parcel10531630174795Sourcecounty listing ↗
AVM value$177,000
RealEstateAPI estimate, Aug 28, 2026 — not an appraisal
Judgment$146,299
county filing
Opening bid / upset$1
Bid4Assets (cost-only starting bid) — costs-only start; plaintiff can credit-bid to judgment
Title position1st? Likely senior
model from REAPI mortgage records — not a title search
Rehab (modeled)$69,000
model: heavy tier · $55/sqft × 1,260 sqft — no inspection; range $48,000–$97,000
Potential profit$-52,459
model — breakdown below
Title position (model): Foreclosing lien appears to be the senior mortgage (First National Bank Of Pennsylvania, 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 28, 2026 | $177,000 |
| Purchase basis (judgment) | county filing — actual price is set by bidding and can exceed this | − $146,299 |
| Rehab (heavy tier) | model: $55/sqft × 1,260 sqft, no inspection | − $69,000 |
| Selling & holding | model: 8% of AVM value | − $14,160 |
| Potential profit | screening estimate — not underwriting | $-52,459 |
Valuation RealEstateAPI · Aug 28, 2026
AVM value (estimate)$177,000Est. open loans$133,000Owner equity$51,749Assessed value$26,900County market value$26,900Annual taxes$759
Property RealEstateAPI (county assessor data)
TypeSingle Family ResidenceBeds3Baths1Living area1,260 sqftLot1,307 sqftYear built1900ConditionFairAPN10531630174795
Ownership RealEstateAPI (deed/assessor records)
OwnerAndres MedinaOwner occupiedYesVacantNoYears owned3.2Last saleJun 22, 2023 · $134,000Distress 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 | Jun 22, 2023 | First National Bank Of Pennsylvania | $133,000 | Conventional |
Mortgage history RealEstateAPI recorded-mortgage data
| Date | Lender | Amount | Type |
|---|---|---|---|
| Jun 22, 2023 | First National Bank Of Pennsylvania | $133,000 | Conventional |
| Dec 24, 2024 | Mortgage Electronic Registration Systems Inc (Mers) As Nominee For First National Bank Of Pennsylvania Its Successors And Assigns | $133,000 | — |
| May 23, 2005 | Long Beach Mortgage Co | $40,000 | 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.) |
Sale history RealEstateAPI deed records
| Date | Amount | Buyer | Seller |
|---|---|---|---|
| Jun 22, 2023 | $134,000 | Andres Medina | Alma Rosa Vazquez Espinoza |
| May 29, 2013 | $8,000 | Alma Rosa Vasquez Espinoza | U S Bank Na, Bank Of America Na |
| Mar 19, 2013 | $4,000 | Us Bank Na, Bank Of America | Chaim Katz |
| May 24, 2006 | $36,000 | Chaim Katz | Hristo Stoychev, Konstantin Barashki |
| Nov 24, 2004 | $22,000 | Hristo Stoychev, Konstantin Barashki | Janet Kane |