{"status_code":200,"message":"Success","data":{"property_id":77371,"property_address":"267 Cozy Valley Ln, Talking Rock, GA 30175-4720","city":"Talking Rock","state":"GA","zip_code":"30175-4720","county":"Gilmer","sale_date":"2025-08-05","year_built":1978,"bedrooms":2,"bathrooms":1.0,"square_feet":768,"latitude":34.5978,"longitude":-84.47024,"url_slug":"77371-Gilmer-GA-Talking-Rock-267-Cozy-Valley-Ln-30175-4720","images":[{"id":"default_77371_0","url":"https://smedley-property-images.s3.amazonaws.com/77371/2026-08-06T04:37:37.684005/sketch_1.png","alt_text":"Property image 1"},{"id":"default_77371_1","url":"https://smedley-property-images.s3.amazonaws.com/77371/2026-08-06T04:37:37.684005/photo_1.jpg","alt_text":"Property image 2"}],"record_state":"passed","foreclosure_status":"sale_passed","bid_result":null,"starting_bid":null,"current_bid":null,"cancelled_at":null,"has_inferred_cancellation":false,"property_type":"Single Family","is_current":false,"canonical_slug":"77371-Gilmer-GA-Talking-Rock-267-Cozy-Valley-Ln-30175-4720","auction_platform":null,"property_data_source_url":null,"sale_date_history":[],"address_line_1":"267 Cozy Valley Ln","address_line_2":"","original_sale_date":"2025-08-05","cancellation_notes":[],"notice_content":"NOTICE OF SALE UNDER POWER GEORGIA, GILMER COUNTY By virtue of a Power of Sale contained in that certain Security Deed from MICHAEL D. STEWART and KELLY P. STEWART and PATRICIA L. WAYMAN to BANK OF AMERICA N.A., dated January 3, 2007, recorded February 9, 2007, in Deed Book 1350, Page 415, Gilmer County, Georgia Records, said Security Deed having been given to secure a Note of even date in the original principal amount of One Hundred Thousand and 00/100 dollars ($100,000.00), with interest thereon as provided for therein, said Security Deed having been last sold, assigned and transferred to BANK OF AMERICA, N.A., (and also pursuant to Order filed on March 27, 2025, in Case No. SUCV2023000571, in the Superior Court of Gilmer County, Georgia), there will be sold at public outcry to the highest bidder for cash at the Gilmer County Courthouse, within the legal hours of sale on the first Tuesday in August, 2025, all property described in said Security Deed including but not limited to the following described property: ALL OF THE TRACT OF LAND OR PARCEL LYING BEING IN LAND LOT 300 & 301 OF THE 11TH DISTRICT, 2ND SECTION OF GILMER COUNTY, GEORGIA, CONSISTING OF 17.34 ACRES AS SHOWN ON A PLAT OF SURVEY FOR LOLINE D. MURPHY, PREPARED BY JOEL JORDAN, GRLS # 2430 DATED JUNE 20TH 1997 AND RECORDED IN THE OFFICE OF THE SUPERIOR COURT OF GILMER COUNTY IN PLAT BOOK 29, PAGE 70 TO WHICH IS MADE REFERENCE TO HEREBY MAKE FOR THE PURPOSE OF INCORPORATING THE SAME AS PART THEREIN. TOGETHER WITH THAT EASEMENT DESCRIBED IN THAT CERTAIN WARRANTY DEED DATED OCTOBER 10, 1997 FROM PAUL MILTON TO SAM L. THOMPSON AND JOSEPHINE L. THOMPSON, RECORDED IN DEED BOOK 78, PAGE 40, IN THE OFFICE OF THE CLERK OF SUPERIOR COURT OF GILMER COUNTY, GEORGIA. Said legal description being controlling, however the property is more commonly known as 267 COZY VALLEY LN, TALKING ROCK, GA 30175. The indebtedness secured by said Security Deed has been and is hereby declared due because of default under the terms of said Security Deed. The indebtedness remaining in default, this sale will be made for the purpose of paying the same, all expenses of the sale, including attorneys' fees (notice to collect same having been given) and all other payments provided for under the terms of the Security Deed. Said property will be sold on an \"as-is\" basis without any representation, warranty or recourse against the above-named or the undersigned. The sale will also be subject to the following items which may affect the title: any outstanding ad valorem taxes (including taxes which are a lien, whether or not now due and payable); the right of redemption of any taxing authority; matters which would be disclosed by an accurate survey or by an inspection of the property; all zoning ordinances; assessments; liens; encumbrances; restrictions; covenants, and any other matters of record superior to said Security Deed. To the best of the knowledge and belief of the undersigned, the owner and party in possession of the property is MICHAEL D. STEWART, KELLY P. STEWART, PATRICIA L. WAYMAN, ESTATE AND/OR HEIRS AT LAW OF PATRICIA L. WAYMAN, or tenants(s). The sale will be conducted subject (1) to confirmation that the sale is not prohibited under the U.S. Bankruptcy Code and (2) to final confirmation and audit of the status of the loan with the holder of the Security Deed. The entity having full authority to negotiate, amend and modify all terms of the loan (although not required by law to do so) is: Bank of America, N.A., as successor by merger to BAC Home Loans Servicing, LP f/k/a Countrywide Home Loans Servicing, LP, Loss Mitigation Dept., 7105 Corporate Drive, Plano, TX 75024, Telephone Number: 800-846-2222. Nothing in O.C.G.A. Section 44-14-162.2 shall be construed to require a secured creditor to negotiate, amend, or modify the terms of the mortgage instrument. BANK OF AMERICA, N.A. as Attorney in Fact for MICHAEL D. STEWART, KELLY P. STEWART, PATRICIA L. WAYMAN THE BELOW LAW FIRM MAY BE HELD TO BE ACTING AS A DEBT COLLECTOR, UNDER FEDERAL LAW. IF SO, ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. Attorney Contact: Rubin Lublin, LLC 3145 Avalon Ridge Place, Suite 100, Peachtree Corners, GA 30071 Telephone Number: (877) 813-0992 Case No. BAC-17-05011-12 Ad Run Dates 07/09/2025, 07/16/2025, 07/23/2025, 07/30/2025 rlselaw.com/property-listing July 9-30. 868711","legal_description":"ALL OF THE TRACT OF LAND OR PARCEL LYING BEING IN LAND LOT 300 & 301 OF THE 11TH DISTRICT, 2ND SECTION OF GILMER COUNTY, GEORGIA, CONSISTING OF 17.34 ACRES AS SHOWN ON A PLAT OF SURVEY FOR LOLINE D. MURPHY, PREPARED BY JOEL JORDAN, GRLS # 2430 DATED JUNE 20TH 1997 AND RECORDED IN THE OFFICE OF THE SUPERIOR COURT OF GILMER COUNTY IN PLAT BOOK 29, PAGE 70 TO WHICH IS MADE REFERENCE TO HEREBY MAKE FOR THE PURPOSE OF INCORPORATING THE SAME AS PART THEREIN. TOGETHER WITH THAT EASEMENT DESCRIBED IN THAT CERTAIN WARRANTY DEED DATED OCTOBER 10, 1997 FROM PAUL MILTON TO SAM L. THOMPSON AND JOSEPHINE L. THOMPSON, RECORDED IN DEED BOOK 78, PAGE 40, IN THE OFFICE OF THE CLERK OF SUPERIOR COURT OF GILMER COUNTY, GEORGIA.","tax_parcel_id":"3085 050","deed_book_references":["Deed Book 1350, Page 415","Deed Book 78, Page 40"],"principle_mortgage_amount":100000.0,"original_date_of_mortgage":"2007-01-03","mortgage_company":"BANK OF AMERICA, N.A.","attorney_firm_name":"Rubin Lublin LLC","attorney_phone_number":"(770) 246-3300","attorney_url":null,"venue_name":"Gilmer County Courthouse - Courthouse Door","venue_address":"1 Broad St, Ellijay, GA 30540","last_sold_amount":null,"last_sold_date":"2011-01-24","latest_valuation_price":null,"latest_assessment_year":null,"lot_acres":12.75,"fireplace_count":null,"subdivision":null,"zillow_url":"https://www.zillow.com/homedetails/267-Cozy-Valley-Ln-Talking-Rock-GA-30175/105268067_zpid/","contributing_sources":["georgia-public-notice"],"distinct_source_count":1,"foreclosure_source_type":"article","foreclosure_discovered_at":"2026-06-17T17:22:09.180240+00:00","property_last_updated_at":"2026-08-06T04:52:33.490294+00:00","bid_or_status_changed_at":null,"last_modified":"2026-08-06T04:52:33.490294+00:00","as_of":"2026-10-23T11:27:23.137619+00:00","public_delay_days":14},"success":true,"moved":false}