654 S. 2ND STREET
Sheriff sale Dauphin County Sheriff portal · checked Sep 21, 2026
Sale dateJan 14, 2027Case #2024-CV-07033 (4)PlaintiffNEWREZ LLC D/B/A SHELLPOINT MORTGAGE SERVICINGDefendantNAUMAN, CARLYAttorneyHILL WALLACK LLP · 215-579-7700Judgment$74,907Parcel37-006-032Sourcecounty listing ↗
AVM value$123,000
RealEstateAPI estimate, Sep 18, 2026 — not an appraisal
Judgment$74,907
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)$80,000
model: heavy tier · $55/sqft × 1,455 sqft — no inspection; range $56,000–$112,000
Potential profit$-41,747
model — breakdown below
Title position (model): Foreclosing lien appears to be the senior mortgage (Guaranteed Rate Inc, 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 | $123,000 |
| Purchase basis (judgment) | county filing — actual price is set by bidding and can exceed this | − $74,907 |
| Rehab (heavy tier) | model: $55/sqft × 1,455 sqft, no inspection | − $80,000 |
| Selling & holding | model: 8% of AVM value | − $9,840 |
| Potential profit | screening estimate — not underwriting | $-41,747 |
Valuation RealEstateAPI · Sep 18, 2026
AVM value (estimate)$123,000Est. open loans$65,687Owner equity$52,709Assessed value$43,300County market value$43,300Annual taxes$1,582
Property RealEstateAPI (county assessor data)
TypeSingle Family ResidenceBeds3Baths2Living area1,455 sqftLot3,485 sqftYear built1910
Ownership RealEstateAPI (deed/assessor records)
OwnerCarly NaumanOwner occupiedYesVacantNoYears owned9.2Last saleJun 23, 2017 · $66,900Distress 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 | Jun 23, 2017 | Guaranteed Rate Inc | $65,687 | Fha |
| Second | Jul 6, 2022 | Newrez Llc | $15,379 | Fha |
| Third | Nov 29, 2023 | Newrez Llc | $3,285 | Fha |
Mortgage history RealEstateAPI recorded-mortgage data
| Date | Lender | Amount | Type |
|---|---|---|---|
| Nov 29, 2023 | Newrez Llc | $3,285 | Fha |
| Jul 6, 2022 | Newrez Llc | $15,379 | Fha |
| Jun 23, 2017 | Guaranteed Rate Inc | $65,687 | Fha |
| Feb 8, 2021 | Mortgage Electronic Registration Systems Inc As Mortgagee As Nominee For Guaranteed Rate Inc Its Successors And Assigns | $65,687 | — |
Sale history RealEstateAPI deed records
| Date | Amount | Buyer | Seller |
|---|---|---|---|
| Jun 23, 2017 | $66,900 | Carly Nauman | Dennis W Chambers |
| Feb 2, 2017 | $12,000 | Dennis W Chambers | Jennifer Beam Embick, Steven J Embick |
| Oct 23, 2008 | $25,000 | Charles T Beam | Tammy J Michael |