44 TERRACE AVENUE
Sheriff sale Lancaster County Sheriff sale listings · checked Sep 21, 2026
Sale dateJan 27, 2027Case #CI-26-00484PlaintiffMIDFIRST BANKDefendantFIRESTONE, DERICK L.AttorneyPURCELL, KRUG & HALLER · 717-234-4178Judgment$189,511Parcel080-27329-0-0000Sourcecounty listing ↗
AVM value$427,000
RealEstateAPI estimate, Sep 18, 2026 — not an appraisal
Judgment$189,511
county filing
Opening bid / upset—
not published yet — most counties post near/on sale day
Title position1st? Likely senior · low confidence
model from REAPI mortgage records — not a title search
Rehab (modeled)$66,000
model: medium tier · $35/sqft × 1,891 sqft — no inspection; range $46,000–$92,000
Potential profit$137,329
model — breakdown below
Title position (model): Foreclosing lien appears to be the senior mortgage (First Horizon Home Loan Corp, 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.
Confidence basis: judgment amount aligns with the senior loan, but the plaintiff name doesn't match any lender.
Inputs: the open-mortgage records shown below.
How the profit estimate is computed methodology
| Line | Source | Amount |
|---|---|---|
| AVM value | RealEstateAPI, fetched Sep 18, 2026 | $427,000 |
| Purchase basis (judgment) | county filing — actual price is set by bidding and can exceed this | − $189,511 |
| Rehab (medium tier) | model: $35/sqft × 1,891 sqft, no inspection | − $66,000 |
| Selling & holding | model: 8% of AVM value | − $34,160 |
| Potential profit | screening estimate — not underwriting | $137,329 |
Valuation RealEstateAPI · Sep 18, 2026
AVM value (estimate)$427,000Est. open loans$203,162Owner equity$300,878Assessed value$207,900County market value$207,900Annual taxes$5,722
Property RealEstateAPI (county assessor data)
TypeSingle Family ResidenceBeds4Baths3Living area1,891 sqftLot10,019 sqftYear built1990
Ownership RealEstateAPI (deed/assessor records)
OwnerDerick Firestone & Bambi FirestoneOwner occupiedYesVacantNoYears owned19.7Last saleJan 19, 2007 · $219,900Distress 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 | Jan 19, 2007 | First Horizon Home Loan Corp | $203,162 | Purchase Money Mortgage |
| Second | Jul 8, 2019 | Midland Mortgage | $32,378 | Fha |
Mortgage history RealEstateAPI recorded-mortgage data
| Date | Lender | Amount | Type |
|---|---|---|---|
| Jul 8, 2019 | Midland Mortgage | $32,378 | Fha |
| Jan 19, 2007 | First Horizon Home Loan Corp | $203,162 | Purchase Money Mortgage |
| Oct 7, 2025 | Mortgage Electronic Registration Systems Inc As Mortgagee As Nominee For First Horizon Home Loan Corporation Its Successors And Assigns | $203,162 | — |
| Oct 7, 2025 | Mortgage Electronic Registration Systems Inc As Mortgagee As Nominee For First Horizon Home Loan Corporation Its Successors And Assigns | $203,162 | — |
| Oct 7, 2025 | Mortgage Electronic Registration Systems Inc As Mortgagee As Nominee For First Horizon Home Loan Corporation Its Successors And Assigns | $203,162 | — |
| Oct 7, 2025 | Mortgage Electronic Registration Systems Inc As Mortgagee As Nominee For First Horizon Home Loan Corporation Its Successors And Assigns | $203,162 | — |
Sale history RealEstateAPI deed records
| Date | Amount | Buyer | Seller |
|---|---|---|---|
| Jan 19, 2007 | $219,900 | Derick L Firestone, Bambi L Firestone | Bonnie J Pizzo |
| Mar 8, 1999 | $126,900 | Steven J Pizzo, Bonnie J Pizzo | Eleanor D Slavin, Donald L Slavin |