745 EAST MAIN STREET
Sheriff sale Berks County Sheriff sale portal · checked Oct 27, 2026
Sale dateJan 8, 2027Case #2024-13545PlaintiffMIDFIRST BANKDefendantNAPOLITANO, NICOLE B.AttorneyKML LAW GROUP, P.C. · 215-627-1322Judgment$167,640Opening bid$888Parcel31534410455409Sourcecounty listing ↗
AVM value$282,000
RealEstateAPI estimate, Oct 17, 2026 — not an appraisal
Judgment$167,640
county filing
Opening bid / upset$888
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)$107,000
model: heavy tier · $55/sqft × 1,946 sqft — no inspection; range $75,000–$150,000
Potential profit$-15,200
model — breakdown below
Title position (model): Foreclosing lien appears to be the senior mortgage (Huntingdon Valley Bank, 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 Oct 17, 2026 | $282,000 |
| Purchase basis (judgment) | county filing — actual price is set by bidding and can exceed this | − $167,640 |
| Rehab (heavy tier) | model: $55/sqft × 1,946 sqft, no inspection | − $107,000 |
| Selling & holding | model: 8% of AVM value | − $22,560 |
| Potential profit | screening estimate — not underwriting | $-15,200 |
Valuation RealEstateAPI · Oct 17, 2026
AVM value (estimate)$282,000Est. open loans$171,717Owner equity$113,418Assessed value$71,000County market value$71,000Annual taxes$1,307
Property RealEstateAPI (county assessor data)
TypeSingle Family ResidenceBeds3Baths1Living area1,946 sqftLot7,841 sqftYear built1800ConditionAverage
Ownership RealEstateAPI (deed/assessor records)
OwnerNicole NapolitanoOwner occupiedYesVacantNoYears owned6.3Last saleMay 28, 2020 · $170,000Distress 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 | May 28, 2020 | Huntingdon Valley Bank | $171,717 | Conventional |
| Second | Dec 29, 2022 | Rushmore Loan Management Services Llc | $19,970 | Fha |
Mortgage history RealEstateAPI recorded-mortgage data
| Date | Lender | Amount | Type |
|---|---|---|---|
| Dec 29, 2022 | Rushmore Loan Management Services Llc | $19,970 | Fha |
| May 28, 2020 | Huntingdon Valley Bank | $171,717 | Conventional |
| May 25, 2022 | Mortgage Electronic Registration Systems Inc As Mortgagee As Nominee For Huntingdon Valley Bank Its Successors And Assigns | $171,717 | — |
| Jan 26, 2007 | Susquehanna Patriot Bank | $114,000 | Conventional |
Sale history RealEstateAPI deed records
| Date | Amount | Buyer | Seller |
|---|---|---|---|
| May 28, 2020 | $170,000 | Nicole B Napolitano | Andrea L Stauss, Andrea L Bomenka |
| Jul 26, 2013 | $129,900 | Andrea L Stauss | Jennifer A Milakeve, Jennifer A Mcbride |
| Mar 20, 2002 | $59,900 | Jennifer A Mcbride | Bankers Trust Company Of California Na, Registered Holders Of Merrill Lynch Mtg |
| Jun 19, 2001 | $2,800 | Bankers Trust Company Of California Na, Registered Holders Of Merrill Lynch Mtg | Terry S Weiler |