2140 N 4th St

Harrisburg, Pennsylvania, 17110

Tax DeedpendingSells Sep 29, 2026 · 9 days ago

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Beds: 5
Baths: 2
SqFt: 1,896
Lot Size: 1,553
Year Built: 1920
APN: 10-047-007

Property Type: Sfr
Distressed: No
Vacant: No
Owner Type: Individual
Owner Status: Absentee (Out of State)
Purchase Method: Financed
County: Dauphin

Value

Estimated Value: $133,000
County Market Value: $37,600; 2026
Assessed Value: $37,600; 2026

Mortgage & Debt

Open Mortgages: 1
Estimated Balance: $77,400
Lien Flags: None recorded; RealEstateAPI flags · not a lien search
Tax Delinquent Since: 2024

Last Sale

Public Record: $86,000; 08/01/2007
Document Type: Grant Deed

Opportunity

Opening Bid: $14,102
Bid / Value: 11%; of $133,000
Property Tax 2026: $1,955; annual bill · not the amount owed
Equity (est.): $73,838; 55%
Monthly Rent: $1,810; HUD fair market rent (5 bd)
Gross Yield: 16.33%
Linked Properties: 4

Opening bid

$14,102

Assessed value

$37,600

Land $9,500Improvement $28,100

Market / AVM

$133,000

Property tax 2026

$1,955

Annual bill — the sale list gives no amount owed

Property facts enriched via realestateapi · 9/29/2026

Ownership Information

Owner 1 Name: Cynthia Dacosta
Mailing Address: 1030 E 53rd St, Brooklyn, NY 11234
Owner Type: Individual
Corporate Owned: No

Property Characteristics

Bedrooms: 5
Total Bathrooms: 2
Construction Type

Site & surroundings

Physical conditions that affect value and rarely appear on a listing.

School	Type	Grades	Rating	Enrollment
Sara Lindemuth El School	Public	K-2	0	737
Susquehanna Twp High School	Public	9-12	5	788
Susquehanna Twp Middle School	Public	6-8	7	619

Recorded	Position	Amount	Type	Lender	Rate	Rate Type	Term	Maturity	Doc #
08/06/2007	First	$77,400	Arm (Adjustable Rate Mortgage)	Bnc Mortgage Inc	12.77%	Adjustable Rate	360	08/01/2037	20070031664

Recorded	Position	Amount	Type	Lender	Rate	Rate Type	Term	Maturity	Doc #	Open
08/06/2007	First	$77,400	Arm (Adjustable Rate Mortgage)	Bnc Mortgage Inc	12.77%	Adjustable Rate	360	08/01/2037	20070031664	Yes
03/19/2007		$77,400	ARM (Adjustable Rate Mortgage)	Option One Mortgage Corp	12.15%	Adjustable Rate	360	04/01/2037	20070010763	No
03/07/2005		$858,000	Open End Mortgage / Open End with Future Advance Clause	Peoplesbank		Variable			20050008339	No

Sale Date	Recorded	Amount	Document	Doc #	Arm's Length	Method	Buyer	Seller
08/01/2007	08/06/2007	$86,000	Grant Deed	0000031663	Yes	Financed	Cynthia Dacosta	Loyd,Cary J
03/14/2007	03/19/2007	$10,042	Grant Deed	0000010762	No	Cash Purchase	Cary J Loyd	Loyd,Cary J

Chaes Food331 ft from parcel centre

Truck traffic and operating hours are the usual complaint.

Correctional or waste facility (2 nearby)0.4 mi from parcel centre

Persistent effect on the buyer pool regardless of any measurable nuisance.

Industrial land (5 nearby)0.3 mi from parcel centre

Truck traffic and operating hours are the usual complaint.

Landfill / waste site0.6 mi from parcel centre

Odour travels much further than noise and is seasonal.

Philadelphia Gas Works (2 nearby)0.4 mi from parcel centre

Truck traffic and operating hours are the usual complaint.

Main Line (21 nearby)0.5 mi from parcel centre

Active freight track on a mainline. Noise, vibration and horn use at crossings — check where the nearest crossing is before assuming quiet.

Railway line0.5 mi from parcel centre

Active freight track on a mainline. Noise, vibration and horn use at crossings — check where the nearest crossing is before assuming quiet.

Context

FEMA flood zone X

Outside the 1% annual chance floodplain.

Elevation 49 ft

Ground elevation at the parcel. Compare with the FEMA base flood elevation where one is published.

14% of homes vacant year-round in Census Tract 162

125 of 898 units vacant year-round, around or below the national tract average.

48% owner-occupied

Renters are the majority here. A retail resale is possible but the investor bid is what sets the floor.

Tract median home value $264,600

Self-reported median across the whole tract — context for whether a number is plausible, not a comparable and never a bid input.

Median household income $39,009

Tract median household income. Sets what a local buyer can finance.

© OpenStreetMap contributors (ODbL). Flood zones from FEMA, elevation from USGS, tract statistics from the US Census. Proximity is measured from the parcel’s recorded location, which for most parcels is an assessor centroid rather than a boundary — treat these as figures to verify on a site visit, not as survey distances.

Deal analysis

Your maximum bid

$77,763

Walk away above this. Projected profit at the ceiling: $39,900 (30% of ARV).

Opening bid $14,102

Room to bid $63,661

Confidence: medium — ARV from a provider market estimate, not comps.

History-guided suggestion

$36,456

Under max by $41,307

≤ oracle maxBid

Co-pilot target using recorded auction history. Never above your maximum bid.

History sample

—

Median sold

—

p(redeem) prior

—

No historical bucket for PA|Tax Deed; suggestion uses oracle only.

Your assumptions

After-repair value (ARV)

Override the derived estimate with real comps

Rehab budget

You cannot inspect before bidding — budget for the worst plausible condition

Known surviving liens

Municipal code enforcement, special assessments, federal tax liens

Target margin — 30%

Required profit as a share of ARV. 30% is a common floor for tax-sale flips.

How that number is built

Provider market estimate of $133,000. This is an as-is valuation, not an after-repair one — enter your own comparable-sales figure if the property needs work.

After-repair value: $133,000
Selling costs on exitassumed 8.0% of ARV — agent commission plus seller-side closing.: −$10,640
Rehabassumed No rehab budget entered — assumed $0. Tax-sale parcels are sold unseen and un-inspected; this is rarely correct.: −$0
Quiet title (required)assumed Midpoint of the typical PA range ($1,500–$5,000, ~4 months).: −$3,250
Deed recording and transferassumed Typical PA recording and deed issuance cost.: −$250
Holding costs (6 months)assumed Taxes, insurance, and securing the property at ~$200/month.: −$1,197
Surviving liensassumed Assumed $0 — not verified. Municipal code-enforcement liens, special assessments, and federal tax liens can survive the sale.: −$0
Target profit (30% of ARV): −$39,900
Maximum bid: $77,763

Before you bid

Rehab is assumed to be $0. You cannot inspect these properties before bidding — budget for the worst plausible condition.
Surviving liens assumed $0. UPSET SALE vs JUDICIAL SALE is the single most important distinction in Pennsylvania and this row cannot express it. An upset sale (72 P.S. §§ 5860.601-609) conveys subject to existing mortgages, judgments and liens, which are NOT divested; a judicial sale (§§ 5860.610-612) is ordered free and clear. Establish which one a parcel is in before treating survivingLiens as zero.
Pennsylvania county assessments run against base years that can be decades stale, and the spread is extreme — Bucks assesses at about 5.6% of market and Schuylkill at 100%, an 18x range inside one state. The Common Level Ratio is a county MEDIAN published for realty transfer tax equalisation, not a per-parcel appraisal, so deriving ARV from it multiplies any error in that one parcel's assessment by the factor: in Bucks a $50,000 assessment derives an ARV near $893,000. Treat a derived ARV in a high-factor county as a research lead, not a valuation, and get comparable sales before bidding.
PA has 67 counties on a different assessment ratio (42001, 42003, 42005, 42007, 42009, 42011, 42013, 42015, 42017, 42019, 42021, 42023, 42025, 42027, 42029, 42031, 42033, 42035, 42037, 42039, 42041, 42043, 42045, 42047, 42049, 42051, 42053, 42055, 42057, 42059, 42061, 42063, 42065, 42067, 42069, 42071, 42073, 42075, 42077, 42079, 42081, 42083, 42085, 42087, 42089, 42091, 42093, 42095, 42097, 42099, 42101, 42103, 42105, 42107, 42109, 42111, 42113, 42115, 42117, 42119, 42121, 42123, 42125, 42127, 42129, 42131, 42133). No FIPS was supplied, so the statewide ratio was used — pass `fips` if this parcel is in one of them.

2140 N 4th St

Value

Mortgage & Debt

Last Sale

Opportunity

Ownership Information

Property Characteristics

2140 N 4th St

Value

Mortgage & Debt

Last Sale

Opportunity

Ownership Information

Property Characteristics

Building Size

Land/Location Information

Tax Assessment Information

Last Non-Arm's Length Ownership Transfer

Recording Information

Buyer/Seller Information

Last Arm's Length Sale Information

Recording Information

Buyer/Seller Information

First Mortgage Information

Distress Flags

Area

Fair Market Rents

Schools

Tax Assessment Information

Open Mortgages

Mortgage History

Sale History

Site & surroundings

Context

County records

Dauphin County rules

Historical comps

Verify before you bid