745 EAST BOUNDARY AVENUE
Sheriff sale York County Sheriff attorney portal · checked Aug 28, 2026
Sale dateOct 5, 2026Case #2024-SU-000127PlaintiffORRSTOWN BANK, SUCCESSOR TO PEOPLESBANKDefendantSIPE, RUTH L.AttorneyKOZLOFF STOUDT ATTORNEYS · 610-670-2552Judgment$38,139Sourcecounty listing ↗
AVM value$86,000
RealEstateAPI estimate, Aug 21, 2026 — not an appraisal
Judgment$38,139
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)$63,000
model: heavy tier · $55/sqft × 1,152 sqft — no inspection; range $44,000–$88,000
Potential profit$-22,019
model — breakdown below
Title position (model): Foreclosing lien appears to be the senior mortgage (Peoples 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
| Line | Source | Amount |
|---|---|---|
| AVM value | RealEstateAPI, fetched Aug 21, 2026 | $86,000 |
| Purchase basis (judgment) | county filing — actual price is set by bidding and can exceed this | − $38,139 |
| Rehab (heavy tier) | model: $55/sqft × 1,152 sqft, no inspection | − $63,000 |
| Selling & holding | model: 8% of AVM value | − $6,880 |
| Potential profit | screening estimate — not underwriting | $-22,019 |
Valuation RealEstateAPI · Aug 21, 2026
AVM value (estimate)$86,000Est. open loans$34,900Owner equity$61,878Assessed value$43,710County market value$43,710Annual taxes$2,762
Property RealEstateAPI (county assessor data)
TypeSingle Family ResidenceBeds4Baths1Living area1,152 sqftLot1,960 sqftYear built1928
Ownership RealEstateAPI (deed/assessor records)
OwnerRuth SipeOwner occupiedYesVacantNoDistress flagsauction
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 | Feb 4, 2013 | Peoples Bank | $34,900 | Credit Line (Revolving) / Heloc |
Mortgage history RealEstateAPI recorded-mortgage data
| Date | Lender | Amount | Type |
|---|---|---|---|
| Feb 4, 2013 | Peoples Bank | $34,900 | Credit Line (Revolving) / Heloc |
| Jun 15, 2011 | Peoples Bank | $31,000 | Credit Line (Revolving) / HELOC |