{"status_code":200,"message":"Success","data":{"property_id":93559,"property_address":"2780 Rita Cir, Valdosta, GA 31601-2702","city":"Valdosta","state":"GA","zip_code":"31601-2702","county":"Lowndes","sale_date":"2026-10-06","year_built":1981,"bedrooms":null,"bathrooms":0.0,"square_feet":1912,"latitude":30.76066,"longitude":-83.25714,"url_slug":"93559-Lowndes-GA-Valdosta-2780-Rita-Cir-31601-2702","images":[{"id":"default_93559_0","url":"https://smedley-property-images.s3.amazonaws.com/93559/2026-08-12T20:01:26.804237/sketch_1.png","alt_text":"Property image 1"},{"id":"default_93559_1","url":"https://smedley-property-images.s3.amazonaws.com/93559/2026-08-12T20:01:26.804237/photo_1.jpg","alt_text":"Property image 2"}],"record_state":"completed","foreclosure_status":"completed","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":"93559-Lowndes-GA-Valdosta-2780-Rita-Cir-31601-2702","auction_platform":"Auction.com","property_data_source_url":"https://www.auction.com/details/2780-rita-cir-valdosta-ga-2152789","sale_date_history":[],"address_line_1":"2780 Rita Cir","address_line_2":"","original_sale_date":"2026-10-06","cancellation_notes":[],"notice_content":"NOTICE OF SALE\nUNDER POWER\nGEORGIA, LOWNDES COUNTY\nBy virtue of a Power of Sale con tained in that certain Security \nDeed from CYNTHIA M CUM -\nMINGS AKA CINDY M CUM -\nMINGS and WILLIAM ROTH to \nCITIZENS BANK, NA, dated July \n25, 2019, recorded August 5, \n2019, in Book 6601, Page 980, \nLowndes County, Georgia Re cords, said Security Deed having \nbeen given to secure a Note of \neven date in the original principal \namount of One Hundred Twenty \nThousand and 00/100 dollars \n($120,000.00), with interest there on as provided for therein, said \nSecurity Deed having been last \nsold, assigned and transferred \nto CITIZENS BANK NA f/k/a RBS \nCITIZENS NA, there will be sold \nat public outcry to the highest \nbidder for cash at the Lowndes \nCounty Courthouse, within the le gal hours of sale on the first Tues -\nday in October, 2026, all property \ndescribed in said Security Deed \nincluding but not limited to the fol lowing described property:\nALL THAT TRACT OR PARCEL \nOF LAND SITUATE, LYING AND \nBEING IN LAND LOT NO. 113 IN \nTHE 11TH LAND DISTRICT OF \nLOWNDES COUNTY, GEOR -\nGIA, AND BEING MORE PAR -\nTICULARLY DESCRIBED AS \nBEING ALL OF LOT 7 IN BLOCK \nC OF PHARIS SUBDIVISION, \nACCORDING TO A MAP OR \nPLAT OF SURVEY THEREOF \nRECORDED IN PLAT RECORD \nBOOK C, PAGE 85, IN THE OF -\nFICE OF THE CLERK OF THE \nSUPERIOR COURT OF LOWN -\nDES COUNTY, GEORGIA, \nTO WHICH MAP OR PLAT OF \nSURVEY AND THE RECORD \nWHEREOF REFERENCE IS \nHEREBY MADE FOR ALL PUR -\nPOSES IN AID OF DESCRIP -\nTION. SAID DESCRIBED PROP -\nERTY HAS LOCATED THEREON \nA RESIDENCE DWELLING \nKNOWN AND DESIGNATED AS\n2780 RITA CIRCLE ACCORD -\nING TO THE PRESENT SYSTEM \nOF NUMBERING HOUSES IN \nVALDOSTA, LOWNDES COUN -\nTY, GEORGIA. \nMAP AND PARCEL NO. 0168 \n073.\nSaid legal description being con trolling, however the property is \nmore commonly known as 2780 \nRITA CIR, VALDOSTA, GA \n31601.\nThe indebtedness secured by \nsaid Security Deed has been and \nis hereby declared due because \nof default under the terms of said \nSecurity Deed. \nThe indebtedness remaining in \ndefault, this sale will be made for \nthe purpose of paying the same, \nall expenses of the sale, includ ing attorneys’ fees (notice to col -\nlect same having been given) and \nall other payments provided for \nunder the terms of the Security \nDeed.\nSaid property will be sold on an \n“as-is” basis without any repre sentation, warranty or recourse \nagainst the above-named or \nthe undersigned. The sale will \nalso be subject to the following \nitems which may affect the title: \nany outstanding ad valorem tax es (including taxes which are a \nlien, whether or not now due and \npayable); the right of redemption \nof any taxing authority; matters \nwhich would be disclosed by an \naccurate survey or by an inspec tion of the property; all zoning \nordinances; assessments; liens; \nencumbrances; restrictions; cov enants, and any other matters of \nrecord superior to said Security \nDeed.\nTo the best of the knowledge \nand belief of the undersigned, \nthe owner and party in posses sion of the property is CYNTHIA \nM CUMMINGS AKA CINDY M \nCUMMINGS, WILLIAM ROTH, or \ntenants(s).\nThe sale will be conducted sub ject (1) to confirmation that the \nsale is not prohibited under the \nU.S. Bankruptcy Code (2) to fi nal confirmation and audit of the \nstatus of the loan with the holder \nof the Security Deed, and (3) pur chaser’s tendering to Rubin Lub -\nlin, LLC, anti-money laundering \ninformation as required pursuant \nto the FinCEN Real Estate Re port Rule. Failure to provide infor -\nmation, could result in rescission \nof the sale.\nThe entity having full authority to \nnegotiate, amend and modify all \nterms of the loan (although not re quired by law to do so) is: Citizens \nBank, N.A., Loss Mitigation Dept., \n10561 Telegraph Road, Glen Al len, VA 23059, Telephone Num -\nber: (800) 234-6002. Nothing in \nO.C.G.A. Section 44-14-162.2 \nshall be construed to require a \nsecured creditor to negotiate, \namend, or modify the terms of the \nmortgage instrument.\nCITIZENS BANK NA F/K/A\nRBS CITIZENS NA\nas Attorney in Fact for\nCYNTHIA M CUMMINGS AKA \nCINDY M CUMMINGS, WILLIAM \nROTH\nTHE BELOW LAW FIRM MAY \nBE HELD TO BE ACTING AS A \nDEBT COLLECTOR, UNDER \nFEDERAL LAW. IF SO, ANY IN -\nFORMATION OBTAINED WILL \nBE USED FOR THAT PURPOSE.\nAttorney Contact: \nRubin Lublin, LLC\n3145 Avalon Ridge Place, \nSuite 100, \nPeachtree Corners, GA 30071\nTelephone Number: \n(877) 813-0992 \nCase No. CBN-26-02034-3\n946530\n09/10/2026, 09/17/2026, \n09/24/2026, 10/01/2026\nrlselaw.com/property-listing","legal_description":"ALL THAT TRACT OR PARCEL OF LAND SITUATE, LYING AND BEING IN LAND LOT NO. 113 IN THE 11TH LAND DISTRICT OF LOWNDES COUNTY, GEORGIA, AND BEING MORE PARTICULARLY DESCRIBED AS BEING ALL OF LOT 7 IN BLOCK C OF PHARIS SUBDIVISION, ACCORDING TO A MAP OR PLAT OF SURVEY THEREOF RECORDED IN PLAT RECORD BOOK C, PAGE 85, IN THE OFFICE OF THE CLERK OF THE SUPERIOR COURT OF LOWNDES COUNTY, GEORGIA, TO WHICH MAP OR PLAT OF SURVEY AND THE RECORD WHEREOF REFERENCE IS HEREBY MADE FOR ALL PURPOSES IN AID OF DESCRIPTION. SAID DESCRIBED PROPERTY HAS LOCATED THEREON A RESIDENCE DWELLING KNOWN AND DESIGNATED AS 2780 RITA CIRCLE ACCORDING TO THE PRESENT SYSTEM OF NUMBERING HOUSES IN VALDOSTA, LOWNDES COUNTY, GEORGIA.","tax_parcel_id":"0168 073","deed_book_references":["Deed Book 6601, Page 980"],"principle_mortgage_amount":120000.0,"original_date_of_mortgage":"2019-07-25","mortgage_company":"CITIZENS BANK NA F/K/A RBS CITIZENS NA","attorney_firm_name":"Rubin Lublin LLC","attorney_phone_number":"(770) 246-3300","attorney_url":"https://rlselaw.com/property-listing/georgia-property-listings/","venue_name":"Lowndes County Courthouse - Courthouse Door","venue_address":"327 N Ashley St, Valdosta, GA 31601","last_sold_amount":null,"last_sold_date":"2018-03-16","latest_valuation_price":null,"latest_assessment_year":null,"lot_acres":1.0,"fireplace_count":null,"subdivision":"Pharis","zillow_url":"https://www.zillow.com/homedetails/2780-Rita-Cir-Valdosta-GA-31601/76502688_zpid/","contributing_sources":["Auction.com","georgia-public-notice","RubinLublin"],"distinct_source_count":3,"foreclosure_source_type":"law_firm","foreclosure_discovered_at":"2026-08-12T19:22:25.257971+00:00","property_last_updated_at":"2026-10-06T16:52:23.785592+00:00","bid_or_status_changed_at":"2026-10-06T16:32:41.692823+00:00","last_modified":"2026-10-06T16:52:23.785592+00:00","as_of":"2026-10-27T23:57:23.568666+00:00","public_delay_days":14},"success":true,"moved":false}