515 DARROW ROAD
Sheriff sale York County Sheriff attorney portal · checked Aug 28, 2026
Sale dateDec 7, 2026Case #2026-SU-001037PlaintiffWILMINGTON SAVINGS FUND SOCIETY, FSB, NOT IN ITS INDIVIDUAL CAPACITY BUT SOLELY AS TRUSTEE FOR RESIDENTIAL INVESTMENT TRUSTDefendantSMITH, LATOYA LANIERAttorneyROBERTSON, ANSCHUTZ, SCHNEID, CRANE & PARTNERS, PLLC · 855-225-6906Judgment$639,215Sourcecounty listing ↗
AVM value$791,000
RealEstateAPI estimate, Aug 21, 2026 — not an appraisal
Judgment$639,215
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)$90,000
model: light tier · $20/sqft × 4,504 sqft — no inspection; range $63,000–$126,000
Potential profit$-1,495
model — breakdown below
Title position (model): Foreclosing lien appears to be the senior mortgage (Acc Mortgage Inc, 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 | $791,000 |
| Purchase basis (judgment) | county filing — actual price is set by bidding and can exceed this | − $639,215 |
| Rehab (light tier) | model: $20/sqft × 4,504 sqft, no inspection | − $90,000 |
| Selling & holding | model: 8% of AVM value | − $63,280 |
| Potential profit | screening estimate — not underwriting | $-1,495 |
Valuation RealEstateAPI · Aug 21, 2026
AVM value (estimate)$791,000Est. open loans$576,660Owner equity$255,571Assessed value$403,160County market value$403,160Annual taxes$12,355
Property RealEstateAPI (county assessor data)
TypeSingle Family ResidenceBeds5Baths9Living area4,504 sqftLot20,386 sqftYear built2022
Ownership RealEstateAPI (deed/assessor records)
OwnerOlen Smith Jr & Latoya SmithOwner occupiedYesVacantNoYears owned3.8Last saleOct 1, 2022 · $678,424Distress flagsauction, mlsActive, 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 | Oct 1, 2022 | Acc Mortgage Inc | $576,660 | Conventional |
Mortgage history RealEstateAPI recorded-mortgage data
| Date | Lender | Amount | Type |
|---|---|---|---|
| Oct 1, 2022 | Acc Mortgage Inc | $576,660 | Conventional |
Sale history RealEstateAPI deed records
| Date | Amount | Buyer | Seller |
|---|---|---|---|
| Oct 1, 2022 | $678,424 | Olen Tyrone Smith Jr, Latoya Lanier Smith | London Croft Llc |