108 CHEFIELD COURT
Sheriff sale Berks County Sheriff sale portal · checked Aug 28, 2026
Sale dateOct 9, 2026Case #26-02585PlaintiffPENNYMAC LOAN SERVICES, LLCDefendantVITA SR, JOSEPH LAttorneyKML LAW GROUP, P.C. · 215-627-1322Judgment$404,821Opening bid$1Parcel24525407794018Sourcecounty listing ↗
AVM value$520,000
RealEstateAPI estimate, Aug 21, 2026 — not an appraisal
Judgment$404,821
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)$95,000
model: medium tier · $35/sqft × 2,714 sqft — no inspection; range $67,000–$133,000
Potential profit$-21,421
model — breakdown below
Title position (model): Foreclosing lien appears to be the senior mortgage (Meridian Bank, 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 | $520,000 |
| Purchase basis (judgment) | county filing — actual price is set by bidding and can exceed this | − $404,821 |
| Rehab (medium tier) | model: $35/sqft × 2,714 sqft, no inspection | − $95,000 |
| Selling & holding | model: 8% of AVM value | − $41,600 |
| Potential profit | screening estimate — not underwriting | $-21,421 |
Valuation RealEstateAPI · Aug 21, 2026
AVM value (estimate)$520,000Est. open loans$313,975Owner equity$249,794Assessed value$179,500County market value$179,500Annual taxes$2,340
Property RealEstateAPI (county assessor data)
TypeSingle Family ResidenceBeds4Baths3Living area2,714 sqftLot39,204 sqftYear built1998ConditionGood
Ownership RealEstateAPI (deed/assessor records)
OwnerNicholas Vita & Joseph Vita SrOwner occupiedYesVacantNoYears owned6.9Last saleAug 9, 2019 · $330,500Distress 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 | Aug 9, 2019 | Meridian Bank | $313,975 | Conventional |
Mortgage history RealEstateAPI recorded-mortgage data
| Date | Lender | Amount | Type |
|---|---|---|---|
| Aug 9, 2019 | Meridian Bank | $313,975 | Conventional |
| Oct 17, 2005 | Fulton Bank | $195,000 | Fannie Mae/Freddie Mac (Phased out keying in 2008 because Fannie Mae does not originate loans directly to borrowers or investors. Most "new conventional" loans meet their general underwriting guidelines.) |
Sale history RealEstateAPI deed records
| Date | Amount | Buyer | Seller |
|---|---|---|---|
| Aug 9, 2019 | $330,500 | Nicholas P Vita, Joseph L Vita Sr | Richard D Gjurich, Cynthia L Gjurich |