Sheriff Scout

PA sheriff sales · Lancaster · York · Dauphin · Berks · Chester

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EPHRATA BOROUGH · Lancaster County · scheduled · open in Google Maps ↗
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Sheriff sale Lancaster County Sheriff sale listings · checked Aug 28, 2026

Sale dateJan 27, 2027Case #CI-25-09700PlaintiffNATIONSTAR MORTGAGE LLCDefendantRATHSAM, STEPHEN JAttorneyMCCALLA RAYMER LEIBERT PIERCE · 445-207-4039 EXT. 24039Judgment$98,038Parcel260-48309-0-0000Sourcecounty listing ↗
AVM value$336,000 RealEstateAPI estimate, Aug 21, 2026 — not an appraisal
Judgment$98,038 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)$35,000 model: medium tier · $35/sqft × 999 sqft — no inspection; range $25,000–$49,000
Potential profit$176,082 model — breakdown below

Title position (model): Foreclosing lien appears to be the senior mortgage (Susquehanna 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. Inputs: the open-mortgage records shown below.

How the profit estimate is computed methodology

LineSourceAmount
AVM valueRealEstateAPI, fetched Aug 21, 2026$336,000
Purchase basis (judgment) county filing — actual price is set by bidding and can exceed this − $98,038
Rehab (medium tier)model: $35/sqft × 999 sqft, no inspection− $35,000
Selling & holdingmodel: 8% of AVM value− $26,880
Potential profitscreening estimate — not underwriting$176,082

Valuation RealEstateAPI · Aug 21, 2026

AVM value (estimate)$336,000Est. open loans$108,000Owner equity$281,343Assessed value$112,300County market value$112,300Annual taxes$2,892

Property RealEstateAPI (county assessor data)

TypeSingle Family ResidenceBeds2Baths2Living area999 sqftLot3,920 sqftYear built1953

Ownership RealEstateAPI (deed/assessor records)

OwnerStephen Rathsam & Susan RathsamOwner occupiedYesVacantNoLast saleApr 1, 2004 · $122,000Distress 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

PositionDateLenderOriginal amountType
FirstJul 25, 2007Susquehanna Bank $108,000Purchase Money Mortgage

Mortgage history RealEstateAPI recorded-mortgage data

DateLenderAmountType
Jul 25, 2007Susquehanna Bank $108,000Purchase Money Mortgage

Sale history RealEstateAPI deed records

DateAmountBuyerSeller
Apr 1, 2004$122,000 Stephen J Rathsam, Susan M RathsamEmig,Earl V Est