4108 Shetland Cir

NOTICE OF SALE
UNDER POWER
GEORGIA, LOWNDES COUNTY
Under and by virtue of the Power 
of Sale contained in a Security 
Deed given by Lee Sukhoi Har -
ris to Navy Federal Credit Union 
dated July 18, 2022, recorded 
in Deed Book 6927, Page 455, 
Lowndes County, Georgia Re -
cords, conveying the after-de -
scribed property to secure a Note 
in the original principal amount of 
TWO HUNDRED FORTY-FOUR 
THOUSAND AND 00/100 DOL -
LARS ($244,000.00), with inter -
est 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, or 
at such place as may be lawful -
ly designated as an alternative, 
within the legal hours of sale on 
the first Tuesday in June, 2026, 
the following described property:
SEE EXHIBIT “A” ATTACHED 
HERETO AND MADE A PART 
HEREOF
The debt secured by said Secu -
rity Deed has been and is here -
by declared due and payable 
because of default having been 
made of the terms of the Note 
and Security Deed. The terms 
remaining in default, this sale will 
be made for the purpose of pay -
ing the total debt, including all ex -
penses of this sale, as provided 
in the Security Deed and by law 
which includes, but is not limited 
to, attorney’s fees (notice pursu -
ant to O.C.G.A. § 13-1-11 having 
been given).
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), the right of redemption of 
any taxing authority, any matters 
which might be disclosed by an 
accurate survey and inspection 
of the property, any assess -
ments, liens, encumbrances, 
zoning ordinances, restrictions, 
covenants, and any matters of 
record including,
but not limited to, those superior 
to the Security Deed first set out 
above. Said property will be sold 
on
an “as-is” basis without any rep -
resentation, warranty or recourse 
against the above-named or the
undersigned. Prospective bid -
ders must perform their own due 
diligence.
Navy Federal Credit Union is the 
holder of the Security Deed to 
the property in accordance with 
OCGA § 44-14-162.2.
The entity that has full authority 
to negotiate, amend, and modify 
all terms of the mortgage with the 
debtor is: Navy Federal Credit 
Union, 820 Follin Lane, Vienna, 
VA 22180, (800)258-5948.
Note, however, that such entity is 
not required by law to negotiate, 
amend or modify the terms of
the loan.
Upon information and belief, 
said property is more common -
ly known as 4108 Shetland Cir, 
Valdosta, GA 31605 . Should a 
conflict arise between the prop -
erty address and the legal de -
scription, the legal description 
shall control.
ATTENTION ALL PROSPEC -
TIVE BIDDERS: On March 1, 
2026, the data collection and 
reporting requirements under 
the U.S. Financial Crimes En -
forcement Network (FinCEN) 
new Anti-Money Laundering 
Rule (the “Rule”), found at 89 FR 
70258, went into effect. The Rule 
applies to certain residential real 
estate sale transactions (includ -
ing some that go beyond the typ -
ical one-to-four family residence) 
where the transfer is to a legal 
entity or trust, and which includes 
cash purchases, private financ -
ing or financing provided by an 
institution not subject to a federal 
Anti-Money Laundering or Suspi -
cion Activity Report requirement. 
If applicable, as part of this Rule, 
buyers and sellers are required 
to provide additional information 
and documentation about them -
selves, their legal entities, and/
or the source of funds used in 
the reportable transaction. The 
collection of this information and
documentation is required to 
comply with the Rule’s federal 
reporting requirements, if appli -
cable.* This notice is provided for 
informational purposes only and 
does not constitute legal advice. 
You are encouraged to consult 
with your own independent legal 
counsel if you have questions 
about how the FinCEN Anti-Mon -
ey Laundering Rule affects your 
transaction and whether your 
transaction is reportable.
*The Rule is the subject of ongo -
ing litigation in several jurisdic -
tions. We suggest that you seek 
your own legal counsel if you 
have questions about the status 
of the Rule and its applicability to 
your sale, if any.
The sale will be conducted sub -
ject (1) to confirmation that the 
sale is not prohibited under the 
U.S. Bankruptcy Code, (2) to fi -
nal confirmation and audit of the 
status of the loan with the holder 
of the Security Deed, and (3) to 
confirmation that the successful 
bidder has timely provided all in -
formation required for reporting 
under the Rule, 89 FR 70258, if 
applicable.
Navy Federal Credit Union
as Attorney in Fact for
Lee Sukhoi Harris
McCalla Raymer
Leibert Pierce, LLP
1544 Old Alabama Rd
Roswell, GA 30076
www.foreclosurehotline.net
EXHIBIT “A”
All that tract or parcel of land sit -
uate, lying and being in Land Lot 
No. 102 in the 11th Land District 
of Lowndes County, Georgia, and 
being more particularly described 
as being all of Lot 34 of Highlands
Subdivision, Phase Two, accord -
ing to a map or plat of survey 
thereof recorded in Plat Cabinet 
A, Pages 3060-3062, in the Of -
fice of the Clerk of 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. (Lot 34: 4108 
Shetland Circle, Valdosta, GA 
31605 -Lowndes County Tax Map 
0146C, Parcel 153). Subject to 
those certain Declaration of Re -
strictive Covenants of Highlands 
as recorded in Deed Book 2803, 
Page 90; subsequently amended 
by Amendment to Declaration of 
Restrictive Covenants of High -
lands as recorded in Deed Book 
3076, Page 115; subsequently 
amended by Second Amendment 
to Declaration of Restrictive Cov -
enants of Highlands as recorded 
in Deed Book 3258, Page 247; 
subsequently amended by Third 
Amendment to Declaration of Re -
strictive Covenants of Highlands 
as recorded in Deed Book 3915, 
Page 204, all in Lowndes County 
Deed Records.
CA June 2, 2026
Our file no. 26-22270GA
26-22270GA
936619
05/07,14,21,28/2026