642 NORTH 6TH STREET
Sheriff sale Berks County Sheriff sale portal · checked Oct 27, 2026
Sale dateDec 11, 2026Case #22-15166PlaintiffCITIBANK, N.A., NOT IN ITS INDIVIDUAL CAPACITY, BUT SOLEY AS OWNER TRUSTEE OF THE NEW RESIDENTIAL MORTGAGE LOAN TRUST 2019-1DefendantCONTRERAS, JOSEAttorneyHLADIK, ONORATO & FEDERMAN, LLP · 215-855-9521Judgment$60,215Opening bid$1Parcel14530759833911Sourcecounty listing ↗
AVM value$180,000
RealEstateAPI estimate, Sep 23, 2026 — not an appraisal
Judgment$60,215
county filing
Opening bid / upset$1
Bid4Assets (cost-only starting bid) — costs-only start; plaintiff can credit-bid to judgment
Title position1st? Likely senior · low confidence
model from REAPI mortgage records — not a title search
Rehab (modeled)$94,000
model: heavy tier · $55/sqft × 1,706 sqft — no inspection; range $66,000–$132,000
Potential profit$11,385
model — breakdown below
Title position (model): Foreclosing lien appears to be the senior mortgage (Equity Resources 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.
Confidence basis: judgment amount aligns with the senior loan, but the plaintiff name doesn't match any lender.
Inputs: the open-mortgage records shown below.
How the profit estimate is computed methodology
| Line | Source | Amount |
|---|---|---|
| AVM value | RealEstateAPI, fetched Sep 23, 2026 | $180,000 |
| Purchase basis (judgment) | county filing — actual price is set by bidding and can exceed this | − $60,215 |
| Rehab (heavy tier) | model: $55/sqft × 1,706 sqft, no inspection | − $94,000 |
| Selling & holding | model: 8% of AVM value | − $14,400 |
| Potential profit | screening estimate — not underwriting | $11,385 |
Valuation RealEstateAPI · Sep 23, 2026
AVM value (estimate)$180,000Est. open loans$49,800Owner equity$150,217Assessed value$39,400County market value$39,400Annual taxes$1,112
Property RealEstateAPI (county assessor data)
TypeSingle Family ResidenceBeds5Baths1Living area1,706 sqftLot1,742 sqftYear built1900ConditionAverage
Ownership RealEstateAPI (deed/assessor records)
OwnerMargarita ContrerasOwner occupiedNoVacantNoYears owned21.2Last saleJun 9, 2005 · $49,800Distress flagspreForeclosure
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 9, 2005 | Equity Resources Inc | $49,800 | 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 |
|---|---|---|---|
| Jun 9, 2005 | Equity Resources Inc | $49,800 | 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.) |
| Oct 14, 2021 | Pennsylvania Equity Resources Inc | $49,800 | — |
Sale history RealEstateAPI deed records
| Date | Amount | Buyer | Seller |
|---|---|---|---|
| Jun 9, 2005 | $49,800 | Margarita Contreras | Robert Kukielka |
| Feb 28, 2001 | $12,500 | Robert Kukielka | Allen M Kulp, Estate Of Elizabeth R Kulp |