32 HUNTMASTER DRIVE
Sheriff sale York County Sheriff attorney portal · checked Aug 28, 2026
Sale dateOct 5, 2026Case #2025-SU-004340PlaintiffPENNYMAC LOAN SERVICES, LLCDefendantSMUTEK, MELISSA C.AttorneyPOWERS KIRN, LLC · 215-942-2090Judgment$263,168Sourcecounty listing ↗
AVM value$426,000
RealEstateAPI estimate, Aug 21, 2026 — not an appraisal
Judgment$263,168
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)$25,000
model: light tier · $20/sqft × 1,226 sqft — no inspection; range $18,000–$35,000
Potential profit$103,752
model — breakdown below
Title position (model): Foreclosing lien appears to be the senior mortgage (Bay Capital Mortgage Corp, 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 | $426,000 |
| Purchase basis (judgment) | county filing — actual price is set by bidding and can exceed this | − $263,168 |
| Rehab (light tier) | model: $20/sqft × 1,226 sqft, no inspection | − $25,000 |
| Selling & holding | model: 8% of AVM value | − $34,080 |
| Potential profit | screening estimate — not underwriting | $103,752 |
Valuation RealEstateAPI · Aug 21, 2026
AVM value (estimate)$426,000Est. open loans$271,684Owner equity$173,311Assessed value$194,420County market value$194,420Annual taxes$6,494
Property RealEstateAPI (county assessor data)
TypeSingle Family ResidenceBeds3Baths3Living area1,226 sqftLot15,115 sqftYear built2020
Ownership RealEstateAPI (deed/assessor records)
OwnerMelissa Smutek & James SmutekOwner occupiedYesVacantNoYears owned6.1Last saleJul 24, 2020 · $276,697Distress 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 | Jul 24, 2020 | Bay Capital Mortgage Corp | $271,684 | Fha |
| Second | Jul 10, 2023 | Pennymac Loan Services Llc | $14,094 | Stand Alone Second / Subordinate Position |
Mortgage history RealEstateAPI recorded-mortgage data
| Date | Lender | Amount | Type |
|---|---|---|---|
| Jul 10, 2023 | Pennymac Loan Services Llc | $14,094 | Stand Alone Second / Subordinate Position |
| Jul 24, 2020 | Bay Capital Mortgage Corp | $271,684 | Fha |
Sale history RealEstateAPI deed records
| Date | Amount | Buyer | Seller |
|---|---|---|---|
| Jul 24, 2020 | $276,697 | Melissa C Smutek, James F Smutek | J A Myers Building And Development Inc |