31 RED OAK DRIVE
Sheriff sale Lancaster County Sheriff sale listings · checked Sep 21, 2026
Sale dateJan 27, 2027Case #CI-24-06108PlaintiffFLAGSTAR BANK, NADefendantBILTZ, TODD A.AttorneyKML LAW GROUP, P.C. · 215-627-1322Judgment$322,209Parcel600-43792-0-0000Sourcecounty listing ↗
AVM value$761,000
RealEstateAPI estimate, Sep 18, 2026 — not an appraisal
Judgment$322,209
county filing
Opening bid / upset—
not published yet — most counties post near/on sale day
Title position1st? Likely senior · moderate confidence
model from REAPI mortgage records — not a title search
Rehab (modeled)$89,000
model: medium tier · $35/sqft × 2,552 sqft — no inspection; range $62,000–$125,000
Potential profit$288,911
model — breakdown below
Title position (model): Foreclosing lien appears to be the senior mortgage (Gmh Mortgage Services Llc, recorded First) (plaintiff also holds a small subordinate loan, likely an FHA partial claim; judgment aligns with the senior loan). Junior liens are typically divested; taxes/municipal claims can still prime.
Confidence basis: plaintiff matched a small subordinate loan; judgment amount points to the senior loan (typical FHA partial-claim pattern).
Inputs: the open-mortgage records shown below.
How the profit estimate is computed methodology
| Line | Source | Amount |
|---|---|---|
| AVM value | RealEstateAPI, fetched Sep 18, 2026 | $761,000 |
| Purchase basis (judgment) | county filing — actual price is set by bidding and can exceed this | − $322,209 |
| Rehab (medium tier) | model: $35/sqft × 2,552 sqft, no inspection | − $89,000 |
| Selling & holding | model: 8% of AVM value | − $60,880 |
| Potential profit | screening estimate — not underwriting | $288,911 |
Valuation RealEstateAPI · Sep 18, 2026
AVM value (estimate)$761,000Est. open loans$314,105Owner equity$423,205Assessed value$364,000County market value$364,000Annual taxes$7,332
Property RealEstateAPI (county assessor data)
TypeSingle Family ResidenceBeds4Baths4Living area2,552 sqftLot65,340 sqftYear built1997
Ownership RealEstateAPI (deed/assessor records)
OwnerTodd Biltz & Joanne BiltzOwner occupiedYesVacantNoYears owned7.5Last saleFeb 20, 2019 · $319,900Distress flagsauction, 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 | Feb 20, 2019 | Gmh Mortgage Services Llc | $314,105 | Fha |
| Second | Feb 14, 2022 | Flagstar Bank Fsb | $78,526 | Fha |
Mortgage history RealEstateAPI recorded-mortgage data
| Date | Lender | Amount | Type |
|---|---|---|---|
| Feb 14, 2022 | Flagstar Bank Fsb | $78,526 | Fha |
| Feb 20, 2019 | Gmh Mortgage Services Llc | $314,105 | Fha |
| Aug 12, 2019 | Mers, Inc., As Nominee For Gmh Mortgage Services Llc, Its Successors And Assigns | $314,105 | — |
| May 12, 2006 | New Century Mortgage Corporat[On | $399,000 | — |
| Apr 14, 2006 | Slm Financial Corp | $368,000 | Unknown |
| Apr 14, 2006 | Slm Financial Corp | $92,000 | Stand Alone Second / Subordinate position |
Sale history RealEstateAPI deed records
| Date | Amount | Buyer | Seller |
|---|---|---|---|
| Feb 20, 2019 | $319,900 | Todd A Biltz, Joanne M Biltz | Us Bank National Association, Credit Suisse First Boston Mtg Securiti |
| Sep 26, 2018 | $2,006 | Us Bank Na, Credit Suisse First Boston Mortgage Secu | Lester H Guyton Jr, Lori J Guyton |