238 E. MARKET STREET
Sheriff sale Dauphin County Sheriff portal · checked Oct 27, 2026
Sale dateJan 14, 2027Case #2025-CV-06482 (39)PlaintiffFREEDOM MORTGAGE CORPORATIONDefendantHOY, SARA A.AttorneyBROCK & SCOTT PLLC · 484-235-2236Judgment$92,474Parcel27-004-053Sourcecounty listing ↗
AVM value$178,000
RealEstateAPI estimate, Oct 7, 2026 — not an appraisal
Judgment$92,474
county filing
Opening bid / upset—
not published yet — most counties post near/on sale day
Title position1st? Likely senior · moderate confidence
model from REAPI mortgage records — not a title search
Rehab (modeled)$88,000
model: heavy tier · $55/sqft × 1,600 sqft — no inspection; range $62,000–$123,000
Potential profit$-16,714
model — breakdown below
Title position (model): Foreclosing lien appears to be the senior mortgage (Mortgage America Inc, recorded First) (plaintiff also holds a small subordinate loan, likely an FHA partial claim; judgment aligns with the senior loan). Junior liens are typically divested; taxes/municipal claims can still prime.
Confidence basis: plaintiff matched a small subordinate loan; judgment amount points to the senior loan (typical FHA partial-claim pattern).
Inputs: the open-mortgage records shown below.
How the profit estimate is computed methodology
| Line | Source | Amount |
|---|---|---|
| AVM value | RealEstateAPI, fetched Oct 7, 2026 | $178,000 |
| Purchase basis (judgment) | county filing — actual price is set by bidding and can exceed this | − $92,474 |
| Rehab (heavy tier) | model: $55/sqft × 1,600 sqft, no inspection | − $88,000 |
| Selling & holding | model: 8% of AVM value | − $14,240 |
| Potential profit | screening estimate — not underwriting | $-16,714 |
Valuation RealEstateAPI · Oct 7, 2026
AVM value (estimate)$178,000Est. open loans$88,888Owner equity$88,761Assessed value$46,700County market value$46,700Annual taxes$1,502
Property RealEstateAPI (county assessor data)
TypeSingle Family ResidenceBeds3Baths2Living area1,600 sqftLot10,019 sqftYear built1859
Ownership RealEstateAPI (deed/assessor records)
OwnerSara HoyOwner occupiedYesVacantNoYears owned8.0Last saleOct 25, 2018 · $88,000Distress 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 | Oct 25, 2018 | Mortgage America Inc | $88,888 | Conventional |
| Second | Nov 5, 2024 | Freedom Mortgage Corp | $15,339 | Fha |
Mortgage history RealEstateAPI recorded-mortgage data
| Date | Lender | Amount | Type |
|---|---|---|---|
| Nov 5, 2024 | Freedom Mortgage Corp | $15,339 | Fha |
| Oct 25, 2018 | Mortgage America Inc | $88,888 | Conventional |
| Jan 13, 2023 | Mortgage Electronic Registration Systems Inc As Mortgagee As Nominee For Mortgage America Inc Its Successors And Assigns | $88,888 | — |
| Jan 13, 2023 | Mortgage Electronic Registration Systems Inc As Mortgagee As Nominee For Mortgage America Inc Its Successors And Assigns | $88,888 | — |
| Jun 1, 2022 | Freedom Mortgage Corp | $7,531 | Stand Alone Second / Subordinate position |
| Jun 30, 2009 | First National Bank Of Chester County | $74,623 | FHA |
Sale history RealEstateAPI deed records
| Date | Amount | Buyer | Seller |
|---|---|---|---|
| Oct 25, 2018 | $88,000 | Sara A Hoy | Joshua A Jeffries, Danielle M Snyder |