121 N BARBARA ST
Sheriff sale Lancaster County Sheriff sale listings · checked Aug 28, 2026
Sale dateSep 30, 2026Case #CI-25-00353PlaintiffFREEDOM MORTGAGE CORPORATIONDefendantCHISEN CHOW, NICHOLIAttorneyORLANS PC · 248-502-1381Judgment$161,976Parcel450-55109-0-0000Sourcecounty listing ↗
AVM value$270,000
RealEstateAPI estimate, Aug 21, 2026 — not an appraisal
Judgment$161,976
county filing
Opening bid / upset—
not published yet — most counties post near/on sale day
Title position1st? Likely senior
model from REAPI mortgage records — not a title search
Rehab (modeled)$60,000
model: heavy tier · $55/sqft × 1,090 sqft — no inspection; range $42,000–$84,000
Potential profit$26,424
model — breakdown below
Title position (model): Foreclosing lien appears to be the senior mortgage (Sierra Pacific Mortgage Co 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. Inputs: the open-mortgage records shown below.
How the profit estimate is computed methodology
| Line | Source | Amount |
|---|---|---|
| AVM value | RealEstateAPI, fetched Aug 21, 2026 | $270,000 |
| Purchase basis (judgment) | county filing — actual price is set by bidding and can exceed this | − $161,976 |
| Rehab (heavy tier) | model: $55/sqft × 1,090 sqft, no inspection | − $60,000 |
| Selling & holding | model: 8% of AVM value | − $21,600 |
| Potential profit | screening estimate — not underwriting | $26,424 |
Valuation RealEstateAPI · Aug 21, 2026
AVM value (estimate)$270,000Est. open loans$169,413Owner equity$78,236Assessed value$131,800County market value$131,800Annual taxes$3,786
Property RealEstateAPI (county assessor data)
TypeSingle Family ResidenceBeds3Baths1Living area1,090 sqftLot8,276 sqftYear built1926
Ownership RealEstateAPI (deed/assessor records)
OwnerNicholi ChowOwner occupiedYesVacantNoYears owned5.7Last saleNov 18, 2020 · $185,000Distress flagsauction, preForeclosure
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 | Nov 18, 2020 | Sierra Pacific Mortgage Co Inc | $169,413 | Fha |
| Second | Jul 8, 2026 | Freedom Mortgage Corp | $41,311 | Fha |
Mortgage history RealEstateAPI recorded-mortgage data
| Date | Lender | Amount | Type |
|---|---|---|---|
| Jul 8, 2026 | Freedom Mortgage Corp | $41,311 | Fha |
| Nov 18, 2020 | Sierra Pacific Mortgage Co Inc | $169,413 | Fha |
| Dec 15, 2022 | Mortgage Electronic Registration Systems Inc As Mortgagee As Nominee For Sierra Pacific Mortgage Company Inc Its Successors And Assigns | $169,413 | — |
Sale history RealEstateAPI deed records
| Date | Amount | Buyer | Seller |
|---|---|---|---|
| Nov 18, 2020 | $185,000 | Nicholi Chisen Chow | Kathryn A Crider |
| May 28, 1999 | $106,100 | Lynn L Yagel, Maxine O Yagel | Wilbur W Nissly, Sandra L Nissly |