75 Peyton Ln

NOTICE OF SALE UNDER POWER GEORGIA, CATOOSA COUNTY Under and by virtue of the Power of Sale contained in a Security Deed given by Stephen A Berry to Mortgage Electronic Registration Systems, Inc., as grantee, as nominee for Panorama Mortgage Group, LLC dba Alterra Home Loans, its successors and assigns dated August 4, 2022, recorded in Deed Book 2236, Page 288, Catoosa County, Georgia Records, as last transferred to PANORAMA MORTGAGE GROUP, LLC by assignment recorded in Deed Book 2306, Page 5, Catoosa County, Georgia Records, conveying the after-described property to secure a Note in the original principal amount of ONE HUNDRED THIRTY-ONE THOUSAND THREE HUNDRED SEVENTY-SIX AND 0/100 DOLLARS ($131,376.00), 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 Catoosa County, Georgia, or at such place as may be lawfully designated as an alternative, within the legal hours of sale on the first Tuesday in September, 2025, the following described property: SEE EXHIBIT "A" ATTACHED HERETO AND MADE A PART HEREOF 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 the Security Deed and by law, including attorney's fees (notice pursuant 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 payable), the right of redemption of any taxing authority, any matters which might be disclosed by an accurate survey and inspection of the property, any assessments, 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 representation, warranty or recourse against the above-named or the undersigned. PANORAMA MORTGAGE GROUP, LLC 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: PANORAMA MORTGAGE GROUP, LLC, 3138 East Elwood Street, Phoenix, AZ 85034, 4806162741. Note, however, that such entity is not required by law to negotiate, amend or modify the terms of the loan. To the best knowledge and belief of the undersigned, the party in possession of the property is Stephen A Berry or a tenant or tenants and said property is more commonly known as 75 Peyton Lane, Ringgold, GA 30736. Should a conflict arise between the property address and the legal description the legal description will control. The sale will be conducted subject (1) to confirmation that the sale is not prohibited under the U.S. Bankruptcy Code and (2) to final confirmation and audit of the status of the loan with the holder of the security deed. PANORAMA MORTGAGE GROUP, LLC as Attorney in Fact for Stephen A Berry McCalla Raymer Leibert Pierce, LLP 1544 Old Alabama Rd Roswell, GA 30076 www.foreclosurehotline.net EXHIBIT "A" The Land referred to herein below is situated in the County of CATOOSA, State of GEORGIA, and is described as follows: All or parcel of land lying and being in Original Land Lot Number Thirty-seven (37) in the 28th District and 3rd Section of Catoosa County, Georgia, being known and designated as Lot Number Four (4) of ROBYNE'S NEST SUBDIVISION, as shown by plat of said subdivision of record in Plat Book 16, Page 146, in the Office of the Clerk of the Superior Court of Catoosa County, Georgia, reference to which plat is here made for further description of said lot. Mobile/Manufactured Home Certificate of Permanent Location recorded in Book 1954, Page 192 and Book 1954, Page 194, in the Office of the Clerk for the Superior Court of Catoosa County, Georgia. Being the same property conveyed to Johnny Manery and Wanda Manery from Daniel Kaiser by Warranty Deed with Right of Survivorship dated January 31, 2000 and recorded on February 2, 2000 in Deed Book 732, Page 647, Office of the Clerk of the Superior Court of Catoosa County, Georgia. The said Wanda Manery having since died on April 19, 2013 leaving Johnny Manery as the surviving tenant by the entirety pursuant to Affidavit of Surviving Joint Tenant in Deed Book 1833, Page 127. Also being the same property conveyed to Johnny Denton Manery and Carlotta Manery, husband and wife, Joint Tenants with rights of survivorship from Johnny Denton Manery aka Johnny Manery, a married man by Quit Claim Deed dated July 1, 2016 and recorded on July 20, 2016 in Deed Book 1833, Page 130, Office of the Clerk of the Superior Court of Catoosa County, Georgia. Carlotta Manery having since died on November 26, 2021 leaving Johnny Denton Manery as the surviving spouse. SUBJECT to any restrictive covenants and general utility easements of record. SUBJECT to any governmental zoning and or subdivision ordinances or regulation in effect thereon. Being the same property conveyed to Grantor(s) by deed of record recorded simultaneously herewith, in the Office of the Clerk of the Superior Court of CATOOSA, County, GEORGIA. MR / CA September 2, 2025 Our file no. 23-13364GA-FT17 23-13364GA 7:23,30;8:6,13,20,27,2025