440 HICKORY RIDGE CIR
Sheriff sale York County Sheriff attorney portal · checked Aug 28, 2026
Sale dateOct 5, 2026Case #2026-SU-001672PlaintiffMIDFIRST BANKDefendantZELLARS, AKA K. CHINYERE ZELLARS, K. CHINYERE NICOLEAttorneyTHE MANLEY LAW FIRM LLC · 614-767-7003Judgment$412,680Sourcecounty listing ↗
AVM value$630,000
RealEstateAPI estimate, Aug 21, 2026 — not an appraisal
Judgment$412,680
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)$118,000
model: medium tier · $35/sqft × 3,360 sqft — no inspection; range $83,000–$165,000
Potential profit$48,920
model — breakdown below
Title position (model): Foreclosing lien appears to be the senior mortgage (Lennar Mortgage Llc, 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 | $630,000 |
| Purchase basis (judgment) | county filing — actual price is set by bidding and can exceed this | − $412,680 |
| Rehab (medium tier) | model: $35/sqft × 3,360 sqft, no inspection | − $118,000 |
| Selling & holding | model: 8% of AVM value | − $50,400 |
| Potential profit | screening estimate — not underwriting | $48,920 |
Valuation RealEstateAPI · Aug 21, 2026
AVM value (estimate)$630,000Est. open loans$402,932Owner equity$189,323Assessed value$262,980County market value$262,980Annual taxes$9,452
Property RealEstateAPI (county assessor data)
TypeSingle Family ResidenceBeds5Baths4Living area3,360 sqftLot14,505 sqft
Ownership RealEstateAPI (deed/assessor records)
OwnerKeontae Hairston & K HairstonOwner occupiedYesVacantNoYears owned3.2Last saleMay 31, 2023 · $410,365Distress 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 | May 31, 2023 | Lennar Mortgage Llc | $402,932 | Fha |
| Second | Sep 2, 2025 | Midfirst Bank | $36,008 | Partial Claim Mortgage |
| Third | Mar 21, 2026 | Nationstar Mortgage Llc | $26,646 | Partial Claim Mortgage |
Mortgage history RealEstateAPI recorded-mortgage data
| Date | Lender | Amount | Type |
|---|---|---|---|
| Mar 21, 2026 | Nationstar Mortgage Llc | $26,646 | Partial Claim Mortgage |
| Sep 2, 2025 | Midfirst Bank | $36,008 | Partial Claim Mortgage |
| May 31, 2023 | Lennar Mortgage Llc | $402,932 | Fha |
| Jan 2, 2024 | Nationstar Mortgage Llc | $10,994 | FHA |
Sale history RealEstateAPI deed records
| Date | Amount | Buyer | Seller |
|---|---|---|---|
| May 31, 2023 | $410,365 | Keontae Shakia Hairston, K Chineyre Hairston | U S Home Llc, Lennar |