{"status_code":200,"message":"Success","data":{"property_id":77423,"property_address":"4545 Odum Lake Trl, Cumming, GA 30040-1726","city":"Cumming","state":"GA","zip_code":"30040-1726","county":"Forsyth","sale_date":"2025-08-05","year_built":2007,"bedrooms":4,"bathrooms":3.5,"square_feet":2765,"latitude":34.23112,"longitude":-84.21386,"url_slug":"77423-Forsyth-GA-Cumming-4545-Odum-Lake-Trl-30040-1726","images":[{"id":"default_77423_0","url":"https://smedley-property-images.s3.amazonaws.com/77423/2026-08-06T08:57:00.149548/photo_1.jpg","alt_text":"Property image 1"}],"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":"77423-Forsyth-GA-Cumming-4545-Odum-Lake-Trl-30040-1726","auction_platform":null,"property_data_source_url":null,"sale_date_history":[],"address_line_1":"4545 Odum Lake Trl","address_line_2":"","original_sale_date":"2025-08-05","cancellation_notes":[],"notice_content":"Foreclosures Sergio Ayala Lamboy NOTICE OF SALE UNDER POWER STATE OF GEORGIA, COUNTY OF FORSYTH By virtue of a Power of Sale contained in that certain Security Deed from Sergio Ayala Lamboy to Mortgage Electronic Registration Systems, Inc., as nominee for Hometown Equity Mortgage, LLC dba theLender, dated August 18, 2021 and recorded on August 20, 2021 in Deed Book 10320, Page 677, and re-recorded on September 7, 2021, in DEED Book 10354, Page 507 in the Office of the Clerk of Superior Court of Forsyth County, Georgia, said Security Deed having been given to secure a Note of even date, in the original principal amount of Three Hundred Twenty-Three Thousand and 00/100 dollars ($323,000.00) with interest thereon as provided therein, as last transferred to Wilmington Savings Fund Society, FSB, not its individual capacity but solely as Owner Trustee for Verus Securitization Trust 2021-7, recorded in Deed Book 11510, Page 438, aforesaid records, will be sold at public outcry to the highest bidder for cash before the courthouse door of Forsyth County, Georgia, or at such place as has or may be lawfully designated as an alternative location, 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 THAT TRACT OR PARCEL OF LAND LYING AND BEING IN LAND LOT 1019 OF THE 3RD DISTRICT, FORSYTH COUNTY, GEORGIA, BEING LOT 2 OF WATERFORD SUBDIVISION, AS PER PLAT THEREOF RECORDED IN PLAT BOOK 117, PAGES 200-215, FORSYTH COUNTY, GEORGIA RECORDS, WHICH RECORDED PLAT IS INCORPORATED HEREIN BY REFERENCE AND MADE A PART OF THIS DESCRIPTION. Said property may more commonly be known as 4545 Odum Lake Trail, Cumming, GA 30040. The debt secured by said Security Deed has been and is hereby declared due because of, among other possible events of default, non-payment of the monthly installments on said loan. The debt remaining in default, this sale will be made for the purpose of paying the same and all expenses of this sale, including attorney's fees (notice of intent to collect attorney's fees having been given). The individual or entity that has full authority to negotiate, amend and modify all terms of the loan is Wilmington Savings Fund Society, FSB, not its individual capacity but solely as Owner Trustee for Verus Securitization Trust 2021-7, 75 Beattie Place, Greenville, SC 29601, 1-800-365-7107. 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: a) zoning ordinances; b) matters which would be disclosed by an accurate survey or by an inspection of the property; c) any outstanding ad valorem taxes, including taxes, which constitute liens upon said property whether or not now due and payable; d) special assessments; e) the right of redemption of any taxing authority; f) all outstanding bills for public utilities which constitute liens upon said property; g) all restrictive covenants, easements, rights-of-way and any other matters of record superior to said Security Deed. To the best of the knowledge and belief of the undersigned, the owners and party in possession of the property are Sergio Ayala Lamboy and or tenant(s). The sale will be conducted subject to 1) confirmation that the sale is not prohibited under the U.S. Bankruptcy code and 2) final confirmation and audit of the status of the loan with the holder of the Security Deed. Wilmington Savings Fund Society, FSB, not its individual capacity but solely as Owner Trustee for Verus Securitization Trust 2021-7 as Attorney-in-Fact for Sergio Ayala Lamboy Contact: Padgett Law Group: 6267 Old Water Oak Road, Suite 203, Tallahassee, FL 32312; (850) 422-2520 149193 7/9, 16, 23, 30","legal_description":"ALL THAT TRACT OR PARCEL OF LAND LYING AND BEING IN LAND LOT 1019 OF THE 3RD DISTRICT, FORSYTH COUNTY, GEORGIA, BEING LOT 2 OF WATERFORD SUBDIVISION, AS PER PLAT THEREOF RECORDED IN PLAT BOOK 117, PAGES 200-215, FORSYTH COUNTY, GEORGIA RECORDS, WHICH RECORDED PLAT IS INCORPORATED HEREIN BY REFERENCE AND MADE A PART OF THIS DESCRIPTION.","tax_parcel_id":"054 200","deed_book_references":["Deed Book 10320, Page 677","Deed Book 10354, Page 507","Deed Book 11510, Page 438"],"principle_mortgage_amount":323000.0,"original_date_of_mortgage":"2021-08-18","mortgage_company":"Wilmington Savings Fund Society, FSB, Not Its Individual Capacity But Solely As Owner Trustee For Verus Securitization Trust 2021-7","attorney_firm_name":"Padgett Law Group","attorney_phone_number":"(850) 422-2520","attorney_url":null,"venue_name":"Forsyth County Courthouse - Courthouse Door","venue_address":"101 E Courthouse Sq, Cumming, GA 30040","last_sold_amount":null,"last_sold_date":"2021-08-18","latest_valuation_price":null,"latest_assessment_year":"2026","lot_acres":0.34,"fireplace_count":null,"subdivision":"Waterford","zillow_url":"https://www.zillow.com/homedetails/4545-Odum-Lake-Trl-Cumming-GA-30040/97869731_zpid/","contributing_sources":["georgia-public-notice"],"distinct_source_count":1,"foreclosure_source_type":"article","foreclosure_discovered_at":"2026-06-17T17:16:44.740597+00:00","property_last_updated_at":"2026-08-06T09:07:31.987336+00:00","bid_or_status_changed_at":null,"last_modified":"2026-08-06T09:07:31.987336+00:00","as_of":"2026-10-23T11:27:23.137619+00:00","public_delay_days":14},"success":true,"moved":false}