1745 Cedarwood Rd

NOTICE OF FORECLOSURE
SALE UNDER POWER
BALDWIN COUNTY, GEORGIA
Under and by virtue of the Power of 
Sale contained in a Security Deed 
given by David George Sumner, and 
Janice Sumner  to Mortgage Electronic 
Registration Systems, Inc., as grantee, 
as nominee for Mortgage Research 
Center, LLC Dba Veterans United Home 
Loans, dated October 30, 2020, and re corded in Deed Book 1429, Page 229-
244, Baldwin County, Georgia Records, 
as last transferred to The Secretary of 
Veterans Affairs, an officer of the Unit ed States by assignment recorded on 
February 20, 2026 in Book 1661 Page 
293 in the Office of the Clerk of Supe rior Court of Baldwin County, Georgia 
Records, conveying the after-described 
property to secure a Note in the orig inal principal amount of Two Hundred 
Twenty-Three Thousand Fourteen and 
0/100 dollars ($223,014.00), 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 Baldwin County, 
Georgia, within the legal hours of sale 
on November 3, 2026, the following 
described property: 
All that tract or parcel of land, to gether with all permanent improve -
ments thereon, lying and being in the 
318th Militia District and within the 
corporate limits of the City of Milled geville in Baldwin County, Georgia, 
being shown and designated as Lots 
Twelve (12) and Lot Thirteen (13) of 
Block “P” in Carrington Woods Sub division, according to a plat of survey 
prepared by Jack C. Brantley, Geor gia R.L.S. No. 541, dated January 8, 
1957, and recorded in Deed Book 50, 
page 476 in the office of the Clerk of 
Superior Court of Baldwin County, 
Georgia, and to which reference is 
hereby made for a more complete and 
accurate description of said property.
This is the same property conveyed 
unto David George Sumner and Jan ice Sumner by Brian Mumma and 
Michelle P. Whitlow by Joint Ten ancy Right of Survivorship Limited 
Warranty Deed of even date being 
filed for record in said Clerk’s Office 
simultaneously herewith. Said prop erty is also the same as that con -
veyed to Brian Munima and Michelle 
P. Whitlow by Joint Tenancy Right 
of Survivorship Deed from Pauline 
B. Morrison and Helen M. Pope as 
Co-Trustees of the Otto C. Morrison 
Residuary Credit Shelter Trust, dated 
July 27, 2012, and recorded in Deed 
Book 1100, pages 498-500, afore said Clerk’s office.
Said property is conveyed subject to 
and with notice of the following mat ters: (a) Drainage ensements, build -
ing set back lines, and other matters 
shown on the aforesaid subdivision 
plat; (b) General utility grants and 
casements and road right of way 
grants and casements of record; (c) 
Any and all other matters, restric tions, conditions, reservations, lim -
itations, covenants, and casements 
of record affecting said property, 
including any visible easements not 
of record affecting said property; 
and, (d) Restrictions of record in 
Deed Book 33, pages 410-412; and, 
Deed Book 50, pages 487-, aforesaid 
Clerk’s office, and as may be amend ed, modified and supplemented. 
The debt secured by said Security 
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 
Security 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 at torney’s fees (notice of intent to collect 
attorney’s fees having been given). 
The entity having full authority to nego tiate, amend or modify all terms of the 
loan (although not required by law to 
do so) is: Onity 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 possible alternatives to avoid 
foreclosure.
Said property will be sold subject to 
any outstanding ad valorem taxes (in cluding taxes which are a lien, but not 
yet due and payable), any matters which 
might be disclosed by an accurate sur vey and inspection of the property, any 
assessments, liens, encumbrances, 
zoning ordinances, restrictions, cove nants, 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 David George Sumner 
and Janice Sumner or tenant(s); and 
said property is more commonly 
known as 1745 Cedarwood Rd, 
Milledgeville, GA 31061 .
The sale will be conducted subject 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 extin guished by foreclosure.
The Secretary of Veterans Affairs, an 
officer of the United States as Attorney 
in Fact for David George Sumner, and 
Janice Sumner.
Brock & Scott, PLLC
4360 Chamblee Dunwoody Road
Suite 310
Atlanta, GA 30341
404-789-2661
B&S file no.: 26-27401
10/7, 10/14, 10/21, 10/28
948655 |