19 GIRARD AVENUE
Sheriff sale Berks County Sheriff sale portal · checked Sep 21, 2026
Sale dateDec 11, 2026Case #26-04721PlaintiffROCKET MORTGAGE LLCDefendantCHARLES F. GRAEFF, JR. A/K/A CHARLES F. GRAEFF A/K/A CHARLES GRAFF, JR.AttorneyRAS CITRON, LLCJudgment$146,207Opening bid$1Parcel66530812964291Sourcecounty listing ↗
AVM value$205,000
RealEstateAPI estimate, Sep 18, 2026 — not an appraisal
Judgment$146,207
county filing
Opening bid / upset$1
Bid4Assets (cost-only starting bid) — costs-only start; plaintiff can credit-bid to judgment
Title position1st? Likely senior · low confidence
model from REAPI mortgage records — not a title search
Rehab (modeled)$29,000
model: medium tier · $35/sqft × 817 sqft — no inspection; range $20,000–$41,000
Potential profit$13,393
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.
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 | $205,000 |
| Purchase basis (judgment) | county filing — actual price is set by bidding and can exceed this | − $146,207 |
| Rehab (medium tier) | model: $35/sqft × 817 sqft, no inspection | − $29,000 |
| Selling & holding | model: 8% of AVM value | − $16,400 |
| Potential profit | screening estimate — not underwriting | $13,393 |
Valuation RealEstateAPI · Sep 18, 2026
AVM value (estimate)$205,000Est. open loans$123,620Owner equity$128,838Assessed value$65,900County market value$65,900Annual taxes$989
Property RealEstateAPI (county assessor data)
TypeSingle Family ResidenceBeds2Baths1Living area817 sqftLot3,485 sqftYear built1947ConditionAverage
Ownership RealEstateAPI (deed/assessor records)
OwnerCharles Graeff JrOwner occupiedYesVacantNoYears owned18.0Last saleAug 29, 2008 · $119,500Distress 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 | Oct 6, 2010 | Mortgage America Inc | $123,620 | Fha |
Mortgage history RealEstateAPI recorded-mortgage data
| Date | Lender | Amount | Type |
|---|---|---|---|
| Oct 6, 2010 | Mortgage America Inc | $123,620 | Fha |
Sale history RealEstateAPI deed records
| Date | Amount | Buyer | Seller |
|---|---|---|---|
| Aug 29, 2008 | $119,500 | Charles F Graeff Jr | Rickey F Tothero, The Howard H Vanhorn Iii Revocable Livin |
| Jul 30, 2004 | $0 | Howard H Vanhorn Iii, Howard H Van Horn Iii Revocable Living T | Howard H Vanhorn Iii, Margaret Evans Revocable Living Trust |