2203 CULLUM DRIVE
Sheriff sale Berks County Sheriff sale portal · checked Aug 28, 2026
Sale dateOct 9, 2026Case #26-09669PlaintiffPENNSYLVANIA HOUSING FINANCE AGENCYDefendantDAY, STUART FAttorneyPURCELL, KRUG & HALLER · 717-234-4178Judgment$228,373Opening bid$1Parcel27439816927668Sourcecounty listing ↗
AVM value$290,000
RealEstateAPI estimate, Aug 21, 2026 — not an appraisal
Judgment$228,373
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)$30,000
model: medium tier · $35/sqft × 856 sqft — no inspection; range $21,000–$42,000
Potential profit$8,427
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 | $290,000 |
| Purchase basis (judgment) | county filing — actual price is set by bidding and can exceed this | − $228,373 |
| Rehab (medium tier) | model: $35/sqft × 856 sqft, no inspection | − $30,000 |
| Selling & holding | model: 8% of AVM value | − $23,200 |
| Potential profit | screening estimate — not underwriting | $8,427 |
Valuation RealEstateAPI · Aug 21, 2026
AVM value (estimate)$290,000Est. open loans$222,000Owner equity$81,296Assessed value$69,400County market value$69,400Annual taxes$1,516
Property RealEstateAPI (county assessor data)
TypeSingle Family ResidenceBeds3Baths1Living area856 sqftLot13,939 sqftYear built1957ConditionGood
Ownership RealEstateAPI (deed/assessor records)
OwnerStuart Day & Samantha DayOwner occupiedYesVacantNoYears owned3.8Last saleSep 23, 2022 · $222,000Distress 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 | Sep 23, 2022 | Mortgage America Inc | $222,000 | Va |
| Second | Sep 23, 2022 | Mortgage America Inc | $3,181 | Stand Alone Second / Subordinate Position |
Mortgage history RealEstateAPI recorded-mortgage data
| Date | Lender | Amount | Type |
|---|---|---|---|
| Sep 23, 2022 | Mortgage America Inc | $3,181 | Stand Alone Second / Subordinate Position |
| Sep 23, 2022 | Mortgage America Inc | $222,000 | Va |
| Oct 21, 2022 | Not Provided | $222,000 | — |
Sale history RealEstateAPI deed records
| Date | Amount | Buyer | Seller |
|---|---|---|---|
| Sep 23, 2022 | $222,000 | Stuart F Day, Samantha A Day | Jason C Harwick |
| Jul 26, 2019 | $155,000 | Jason C Harwick | Kel Lee Kozak Wallace |
| Aug 22, 2003 | $113,000 | Kel Lee Kozak Wallace | Edwin Graeff |