54 Needle Rd

NOTICE OF DEFAULT AND 
FORECLOSURE SALE
WHEREAS, on July 1, 2011, a 
certain Security Deed was ex -
ecuted by Hiram Weathersby, 
an unmarried man as grantor(s) 
in favor of Mortgage Electronic 
Registration Systems, Inc., as 
Grantee, as nominee for Urban 
Financial Group, Inc., its succes -
sors and assigns as grantee, and
was recorded on July 21, 2011, in 
Vol. Book 1584, in Page 0208, as 
Instrument Number 002572 in the 
Office of the Superior Court of 
Tift County, State of Georgia; and
WHEREAS, the Security Deed 
was insured by the United States 
Secretary of Housing and Urban 
Development (the Secretary) pur -
suant to the National Housing Act 
for the purpose of providing sin -
gle family housing; and
WHEREAS, the Security Deed 
is now owned by the Secretary, 
pursuant to an assignment dated
March 16, 2017 and recorded 
on March 31, 2017, in Vol. Book 
1903, in Page 108, as Instrument
Number 001205 in the office of 
the Superior Court of Tift County, 
State of Georgia; and
WHEREAS, a default has been 
made in the covenants and con -
ditions of the Security Deed in 
that the payment due on the 
death of the borrower(s), was not 
made and remains wholly unpaid
as of the date of this notice, and 
no payment has been made suf -
ficient to restore the loan to cur -
rency; and
WHEREAS, the entire amount 
delinquent as of April 28, 2026 is 
$123,829.03; and
WHEREAS, by virtue of this de -
fault, the Secretary has declared 
the entire amount of the indebt -
edness secured by the Security 
Deed to be immediately due and 
payable;
NOW THEREFORE, pursuant to 
powers vested in me by the Single 
Family Mortgage Foreclosure Act 
of 1994, 12 U.S.C. 3751 et seq., 
by 24 CFR part 27, subpart B, and 
by the Secretary’s designation of 
me as Foreclosure Commission -
er, notice is hereby given that on 
July 7, 2026 between the hours 
of 10:00 a.m. and 4:00 p.m. local 
time, all real and personal prop -
erty at or used in connection with 
the following described premises 
(“Property”) will be sold at public
auction to the highest bidder:
ALL THAT CERTAIN TRACT OR 
PARCEL OF LAND LYING AND 
BEING IN LAND LOT 146 OF 
THE 6TH LAND DISTRICT OF 
TIFT COUNTY, GEORGIA, AND 
BEING MORE PARTICULARLY 
DESCRIBED AS FOLLOWS: TO 
OBTAIN THE POINT OF BE -
GINNING, COMMENCE AT THE 
INTERSECTION OF THE WEST 
RIGHT OF WAY LINE OF THE 
CHULA-BROOKFIELD ROAD 
AND THE NORTH RIGHT OF 
WAY LINE OF NEEDLE ROAD 
AND TRAVEL THENCE SOUTH 
69° 40’ 00” WEST 1,323 FEET 
TO THE POINT OR PLACE OF 
BEGINNING OF THE TRACT 
HEREIN DESCRIBED; THENCE 
CONTINUE ALONG THE 
NORTH RIGHT OF WAY LINE 
OF NEEDLE ROAD SOUTH 69° 
40’ 00” WEST 260.34 FEET; 
THENCE TRAVEL NORTH 21° 
30’ 00” WEST 502.04 FEET; 
THENCE TRAVEL NORTH 69° 
40’ 00” EAST 260.34 FEET; 
THENCE TRAVEL SOUTH 21° 
30’ 00” EAST 502.04 FEET TO 
THE POINT OR PLACE OF 
BEGINNING OF THE TRACT 
HEREIN DESCRIBED. SAID 
TRACT OF LAND CONTAINS 3 
ACRES, AND IS MORE PARTIC -
ULARLY DESCRIBED ACCORD -
ING TO THAT CERTAIN PLAT 
OF SURVEY ENTITLED “SUR -
VEY FOR PHIL H. AND DONNA 
G. SUMNER” PREPARED BY 
GIBBS & HARPER SURVEYING 
COMPANY OF TIFTON, GEOR -
GIA, ON MAY 23, 1986, SAID 
PLAT BEING RECORDED IN 
PLAT BOOK 17, PAGE 31, PUB -
LIC RECORDS. TIFT COUN -
TY, GEORGIA, AND BEING BY 
REFERENCE INCORPORATED 
HEREIN
Commonly known as: 54 Needle 
Road, Tifton, GA 31794
Sale will be held at the Court -
house Door of the Tift County 
Courthouse, Georgia
The Secretary of Housing and 
Urban Development estimated 
bid will be $125,410.98.
There will be no proration of tax -
es, rents or other income or lia -
bilities, except that the purchaser
will pay, at or before closing, his 
prorata share of any real estate 
taxes that have been paid by the
Secretary to the date of the fore -
closure sale.
When making their bids, all 
bidders except the Secretary 
must submit a deposit totaling 
$12,541.10 (10% of Secretary’s 
bid) in the form of a certified 
check or cashier’s check made 
out to the Secretary of HUD. A 
deposit need not accompany 
each oral bid. If the successful 
bid is oral, a deposit of $12,541.10 
must be presented before the 
bidding is closed. The deposit is 
nonrefundable. The remainder of 
the purchase price must be de -
livered within 30 days of the sale 
or at such other time as the Sec -
retary may determine for good 
cause shown, time being of the 
essence. This amount, like the 
bid deposits, must be delivered in 
the form of a certified or cashier’s 
check. If the Secretary is the 
highest bidder, he need not pay 
the bid amount in cash. The suc -
cessful bidder will pay all convey -
ing fees, all real estate and other 
taxes that are due on or after the 
delivery date of the remainder of 
the payment and all other costs 
associated with the transfer of ti -
tle. At the conclusion of the sale, 
the deposits of the unsuccessful 
bidders will be returned to them.
The Secretary may grant an ex -
tension of time within which to 
deliver the remainder of the pay -
ment. All extensions will be for 
15-day increments for a fee of 
$500.00, paid in advance. The 
extension fee shall be in the form 
of a certified or cashier’s check 
made payable to the Secretary 
of HUD. If the high bidder closes 
the sale prior to the expiration of 
any extension period, the unused 
portion of the extension fee shall 
be applied toward the amount 
due.
If the high bidder is unable to 
close the sale within the required 
period, or within any extensions 
of time granted by the Secretary, 
the high bidder may be required 
to forfeit the cash deposit or, at 
the election of the foreclosure 
commissioner after consultation 
with the HUD representative, will
be liable to HUD for any costs in -
curred as a result of such failure. 
The Commissioner may, at the 
direction of the HUD representa -
tive, offer the property to the sec -
ond highest bidder for an amount 
equal to the highest price offered 
by that bidder.
There is no right of redemption, 
or right of possession based 
upon a right of redemption, in the
mortgagor or others subsequent 
to a foreclosure completed pur -
suant to the Act. Therefore, the 
Foreclosure Commissioner will 
issue a Deed to the purchaser(s) 
upon receipt of the entire pur -
chase price in accordance with 
the terms of the sale as provided 
herein. HUD does not guarantee 
that the property will be vacant.
The scheduled foreclosure sale 
shall be cancelled or adjourned if 
it is established, by documented
written application of the grantor 
to the Foreclosure Commissioner 
not less than 3 days before the 
date of sale, or otherwise, that 
the default or defaults upon which 
the foreclosure is based did not 
exist at the time of service of this 
notice of default and foreclosure 
sale, or all amounts due under 
the security deed agreement 
are tendered to the Foreclosure 
Commissioner, in the form of a 
certified or cashier’s check pay -
able to the Secretary of HUD, be -
fore public auction of the property 
is completed.
The amount that must be paid if 
the security deed is to be rein -
stated prior to the scheduled sale 
is based upon the nature of the 
breach, this loan is not subject 
to reinstatement.   A total payoff 
is required to cancel the foreclo -
sure sale or the breach must be 
otherwise cured.  A description of
the default is as follows: FAILURE 
TO PAY THE PRINCIPAL BAL -
ANCE AND ANY OUTSTANDING 
FEES, COSTS, AND INTEREST 
WHICH BECAME ALL DUE AND 
PAYABLE BASED UPON THE 
DEATH OF ALL GRANTORS OF 
THE PROPERTY, CEASING TO 
USE THE PROPERTY AS THE 
PRINCIPAL RESIDENCE.
Tender of payment by certified 
or cashier’s check or application 
for cancellation of the foreclosure 
sale shall be submitted to the 
address of the Foreclosure Com -
missioner provided below.
Dated this 30th date of April,     
2026.
Summer Parker
Halliday, Watkins & Mann, P.C.
Foreclosure Commissioner
244 Inverness Center Drive
Suite 200
Birmingham, AL 35242
Phone: (801) 355-2886
Fax: (801) 328-9714
HWM File: GA21273
937971
06/18,25;07/02/2026