42 S 2ND STREET
Sheriff sale Berks County Sheriff sale portal · checked Aug 28, 2026
Sale dateSep 11, 2026Case #25-09736PlaintiffUS BANK NATIONAL ASSOCIATION AS TRUSTEE MERRILL LYNCH FIRST FRANKLIN MORTGAGE LOAN TRUST MORTGAGE LOAN ASSET-BACKED CERTIFICATES SERIES 2007-4DefendantHERTZOG, CHRISTOPHER AAttorneyLEOPOLD & ASSOCIATES PLLC · 914-219-5787Judgment$77,791Opening bid$1,832Parcel95433707582741Sourcecounty listing ↗
AVM value$183,000
RealEstateAPI estimate, Aug 21, 2026 — not an appraisal
Judgment$77,791
county filing
Opening bid / upset$1,832
Bid4Assets (cost-only starting bid) — costs-only start; plaintiff can credit-bid to judgment
Title position1st Senior lien
model from REAPI mortgage records — not a title search
Rehab (modeled)$65,000
model: heavy tier · $55/sqft × 1,180 sqft — no inspection; range $46,000–$91,000
Potential profit$25,569
model — breakdown below
Title position (model): Foreclosing lien appears to be the senior mortgage (First Franklin Financial Corp, recorded First). 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 | $183,000 |
| Purchase basis (judgment) | county filing — actual price is set by bidding and can exceed this | − $77,791 |
| Rehab (heavy tier) | model: $55/sqft × 1,180 sqft, no inspection | − $65,000 |
| Selling & holding | model: 8% of AVM value | − $14,640 |
| Potential profit | screening estimate — not underwriting | $25,569 |
Valuation RealEstateAPI · Aug 21, 2026
AVM value (estimate)$183,000Est. open loans$80,000Owner equity$131,095Assessed value$50,400County market value$50,400Annual taxes$836
Property RealEstateAPI (county assessor data)
TypeSingle Family ResidenceBeds3Baths2Living area1,180 sqftLot4,356 sqftYear built1900ConditionAverage
Ownership RealEstateAPI (deed/assessor records)
OwnerChristopher Hertzog & Stephanie HertzogOwner occupiedYesVacantNoYears owned19.3Last saleMay 4, 2007 · $100,000Distress flagspreForeclosure
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 4, 2007 | First Franklin Financial Corp | $80,000 | Arm (Adjustable Rate Mortgage) |
Mortgage history RealEstateAPI recorded-mortgage data
| Date | Lender | Amount | Type |
|---|---|---|---|
| May 4, 2007 | First Franklin Financial Corp | $80,000 | Arm (Adjustable Rate Mortgage) |
| Aug 20, 2012 | First Franklin Financial Corp. An Op Sub Of Mlb&T Co, Fsb | $80,000 | — |
Sale history RealEstateAPI deed records
| Date | Amount | Buyer | Seller |
|---|---|---|---|
| May 4, 2007 | $100,000 | Christopher A Hertzog, Stephanie Hertzog | Donald A Hertzog, Virginia M Hertzog |
| Mar 4, 2005 | $74,900 | Donald A Hertzog, Virginia M Hertzog | Charles W Yoh Jr |