4445 Kenilworth Cir

NOTICE OF FORECLOSURE 
SALE UNDER POWER
LOWNDES COUNTY, GEORGIA
Under and by virtue of the Power 
of Sale contained in a Security 
Deed given by KEITH D ROW -
LAND to Mortgage Electronic 
Registration Systems, Inc., as 
grantee, as nominee for RENA -
SANT BANK, dated September 
26, 2017, and recorded in Deed 
Book 6280, Page 161, Lowndes 
County, Georgia Records, sub sequently modified by a Loan 
Modification Agreement record ed April 13, 2026 in Book 7236, 
Page 282 in the amount of One 
Hundred Ninety-Three Thousand 
Nine Hundred Eighty-Two and 
00/100 ($193,982.00) Lowndes 
County, Georgia Records, as last 
transferred to Renasant Bank by 
assignment recorded on January 
3, 2025 in Book 7117 Page 673 in 
the Office of the Clerk of Superior 
Court of Lowndes County, Geor gia Records, conveying the af -
ter-described property to secure 
a Note in the original principal 
amount of One Hundred Nine ty-Three Thousand Nine Hun -
dred Eighty-Two and 0/100 dol lars ($193,982.00), with interest 
thereon as set forth therein, there 
will be sold at public outcry to the 
highest bidder for cash before 
the courthouse door of Lowndes 
County, Georgia, within the legal
hours of sale on November 3, 
2026, the following described 
property:
ALL THAT TRACT OR PARCEL 
OF LAND SITUATE, LYING AND 
BEING IN LAND LOT 102 OF 
THE 11TH LAND DISTRICT OF 
LOWNDES COUNTY, GEOR -
GIA, AND BEING MORE PAR -
TICULARLY DESCRIBED AS 
LOT 35 CONSISTING OF 0.29 
ACRES, AS SHOWN ON THAT 
CERTAIN MAP OR PLAT OF 
SURVEY ENTITLED “HIGH -
LANDS SUBDIVISION PHASE 
THREE”, PREPARED BY ALLEN
NOBLES AND ASSOCIATES, 
INC., ON JULY 17, 2007, RE -
CORDED IN PLAT CABINET “A”, 
PAGES 3790, 3791 AND 3792, 
LOWNDES COUNTY, GEORGIA 
DEED RECORDS, REFERENCE 
TO WHICH IS HEREBY MADE 
FOR ALL PURPOSES IN AID OF 
DESCRIPTION.  SAID PROPER -
TY HAS A RESIDENCE KNOWN 
AS 4445 KENILWORTH CIR -
CLE, VALDOSTA GEORGIA.
The debt secured by said Secu rity Deed has been and is hereby 
declared due because of, among 
other possible events of default, 
failure to pay the indebtedness as 
and when due and in the manner 
provided in the Note and Securi ty Deed. The debt remaining in 
default, this sale will be made for 
the purpose of paying the same 
and all expenses of this sale, as 
provided in Security Deed and by 
law, including attorney’s fees (no tice of intent to collect attorney’s 
fees having been given).
The entity having full authority to 
negotiate, amend or modify all 
terms of the loan (although not 
required by law to do so) is: On ity Mortgage Corporation F/K/A 
PHH Mortgage Corporation they 
can be contacted at 1-800-750-
2518 for Loss Mitigation Dept, or 
by writing to 1661 Worthington 
Rd., Ste. 100, West Palm Beach, 
Florida 33409, to discuss possi ble alternatives to avoid foreclo -
sure.
Said property will be sold subject 
to any outstanding ad valorem 
taxes (including taxes which are 
a lien, but not yet due and pay able), any matters which might be 
disclosed by an accurate survey 
and inspection of the property, 
any assessments, liens, en cumbrances, zoning ordinanc -
es, restrictions, covenants, and 
matters of record superior to the 
Security Deed first set out above.
To the best knowledge and belief 
of the undersigned, the party in 
possession of the property is ES -
TATE OF KEITH D ROWLAND 
or tenant(s); and said property is 
more commonly known as 4445 
Kenilworth Cir, Valdosta, GA 
31605.
The sale will be conducted sub ject to (1) confirmation that the 
sale is not prohibited under the 
U.S. Bankruptcy Code (2) final 
confirmation and audit of the 
status of the loan with the holder 
of the security deed and (3) any 
right of redemption or other lien 
not extinguished by foreclosure.
Renasant Bank as Attorney in 
Fact for KEITH D ROWLAND.
Brock & Scott, PLLC
4360 Chamblee Dunwoody Road
Suite 310
Atlanta, GA 30341
404-789-2661
B&S file no.: 26-25040
948848
10/08,15,22,29/2026