15 SADDLEBROOK LANE
Sheriff sale Chester County sheriff sales on Bid4Assets · checked Oct 27, 2026
Sale dateNov 19, 2026Case #26-11-195 / 2025-10429-SSHPlaintiffCITIZENS BANK NADefendantWARMIAK, RHONDAAttorneyJAVARDIAN, GREGORYJudgment$36,756Sourcecounty listing ↗
AVM value$293,000
RealEstateAPI estimate, Sep 27, 2026 — not an appraisal
Judgment$36,756
county filing
Opening bid / upset—
not published yet — most counties post near/on sale day
Title positionJR Junior lien · high confidence
model from REAPI mortgage records — not a title search · ~$146,163 senior debt may survive
Rehab (modeled)$56,000
model: medium tier · $35/sqft × 1,596 sqft — no inspection; range $39,000–$78,000
Potential profit$30,641
model — breakdown below
Title position (model): Foreclosing lien appears junior (Citizens Bank Na); ~$146,163 of senior mortgage debt (original amounts) likely survives the sale.
Confidence basis: plaintiff name matches a junior-position mortgage with senior debt recorded ahead of it.
Inputs: the open-mortgage records shown below.
How the profit estimate is computed methodology
| Line | Source | Amount |
|---|---|---|
| AVM value | RealEstateAPI, fetched Sep 27, 2026 | $293,000 |
| Purchase basis (judgment) | county filing — actual price is set by bidding and can exceed this | − $36,756 |
| Rehab (medium tier) | model: $35/sqft × 1,596 sqft, no inspection | − $56,000 |
| Selling & holding | model: 8% of AVM value | − $23,440 |
| Senior debt that may survive | title model (original amounts, not payoffs) | − $146,163 |
| Potential profit | screening estimate — not underwriting | $30,641 |
Valuation RealEstateAPI · Sep 27, 2026
AVM value (estimate)$293,000Est. open loans$146,163Owner equity$121,171Assessed value$88,000County market value$88,000Annual taxes$4,798
Property RealEstateAPI (county assessor data)
TypeTownhouseBeds3Baths2Living area1,596 sqftLot5,063 sqftYear built1989
Ownership RealEstateAPI (deed/assessor records)
OwnerRhonda WarmiakOwner occupiedYesVacantNoYears owned12.4Last saleApr 25, 2014 · $154,000Distress 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 | Sep 25, 2017 | Quicken Loans Inc | $146,163 | Fha |
| Second | Dec 2, 2022 | Citizens Bank Na | $50,000 | Credit Line (Revolving) / Heloc |
| Third | Aug 8, 2025 | Rocket Mortgage Llc | $6,605 | Fha |
Mortgage history RealEstateAPI recorded-mortgage data
| Date | Lender | Amount | Type |
|---|---|---|---|
| Aug 8, 2025 | Rocket Mortgage Llc | $6,605 | Fha |
| Dec 2, 2022 | Citizens Bank Na | $50,000 | Credit Line (Revolving) / Heloc |
| Sep 25, 2017 | Quicken Loans Inc | $146,163 | Fha |
Sale history RealEstateAPI deed records
| Date | Amount | Buyer | Seller |
|---|---|---|---|
| Apr 25, 2014 | $154,000 | Rhonda Warmiak, Leon Warmiak | Richard C Kern Jr |