1076 FOX RUN
Sheriff sale Berks County Sheriff sale portal · checked Aug 28, 2026
Sale dateSep 11, 2026Case #26-04538PlaintiffM&T BANKDefendantCERNAS-BERNAL, JAVIERAttorneyKML LAW GROUP, P.C. · 215-627-1322Judgment$168,765Opening bid$1Parcel43532719513583Sourcecounty listing ↗
AVM value$243,000
RealEstateAPI estimate, Aug 21, 2026 — not an appraisal
Judgment$168,765
county filing
Opening bid / upset$1
Bid4Assets (cost-only starting bid) — costs-only start; plaintiff can credit-bid to judgment
Title position1st? Likely senior
model from REAPI mortgage records — not a title search
Rehab (modeled)$53,000
model: medium tier · $35/sqft × 1,510 sqft — no inspection; range $37,000–$74,000
Potential profit$1,795
model — breakdown below
Title position (model): Foreclosing lien appears to be the senior mortgage (Mortgage America 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 | $243,000 |
| Purchase basis (judgment) | county filing — actual price is set by bidding and can exceed this | − $168,765 |
| Rehab (medium tier) | model: $35/sqft × 1,510 sqft, no inspection | − $53,000 |
| Selling & holding | model: 8% of AVM value | − $19,440 |
| Potential profit | screening estimate — not underwriting | $1,795 |
Valuation RealEstateAPI · Aug 21, 2026
AVM value (estimate)$243,000Est. open loans$171,830Owner equity$53,059Assessed value$63,900County market value$63,900Annual taxes$1,036
Property RealEstateAPI (county assessor data)
TypeSingle Family ResidenceBeds3Baths2Living area1,510 sqftLot2,178 sqftYear built1973ConditionAverage
Ownership RealEstateAPI (deed/assessor records)
OwnerJavier BernalOwner occupiedYesVacantNoYears owned4.4Last saleFeb 25, 2022 · $175,000Distress 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
| Position | Date | Lender | Original amount | Type |
|---|---|---|---|---|
| First | Feb 25, 2022 | Mortgage America Inc | $171,830 | Conventional |
| Second | Dec 29, 2023 | M & T Bank | $22,864 | Fha |
| Third | Aug 6, 2024 | M & T Bank | $11,387 | Fha |
Mortgage history RealEstateAPI recorded-mortgage data
| Date | Lender | Amount | Type |
|---|---|---|---|
| Aug 6, 2024 | M & T Bank | $11,387 | Fha |
| Dec 29, 2023 | M & T Bank | $22,864 | Fha |
| Feb 25, 2022 | Mortgage America Inc | $171,830 | Conventional |
| Jun 16, 2025 | M & T Bank | $5,019 | FHA |
| Jan 15, 2025 | M & T Bank | $6,168 | FHA |
| Feb 21, 2023 | Mortgage Electronic Registration Systems Inc As Mortgagee As Nominee For Mortgage America Inc Its Successors And Assigns | $171,830 | — |
Sale history RealEstateAPI deed records
| Date | Amount | Buyer | Seller |
|---|---|---|---|
| Feb 25, 2022 | $175,000 | Javier Cernas Bernal | Jenndy A Jimenez Castellanos |
| Dec 15, 2017 | $114,900 | Jenndy A Jimenez Castellanos | Cynthia L Macfetrich |
| Feb 23, 2012 | $60,000 | Cynthia L Macfetrich | May Kumagai |