111 Lazy Lagoon Ct

PARCEL ID: 0305A012 NOTICE OF SALE UNDER POWER GEORGIA, EFFINGHAM COUNTY Under and by virtue of the Power of Sale contained in a Security Deed executed by Melissa M. Crocker, unmarried woman, in favor of Mortgage Electronic Registration Systems, Inc., as Grantee, as nominee for Towne Mortgage Company DBA AmeriCU Mortgage, its successors and assigns, said security instrument being recorded in the Office of the Clerk of Superior Court of Effingham County, Georgia on October 17, 2022 in Book 2814 at Pages 279-297, as Instrument Number D2022010317, conveying the after-described property to secure a Note in the original principal amount of $86,996.00, 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 Effingham County, Georgia within the legal hours of sale on the first Tuesday in October, 2026, the following described property: ALL THAT CERTAIN LOT, TRACT OR PARCEL OF LAND SITUATE, LYING AND BEING IN THE 1559TH G.M. DISTRICT, EFFINGHAM COUNTY, GEORGIA KNOWN AND DESIGNATED AS LOT NO. 12, PHASE 1, RIVER ROAD FARMS, THAT IS SHOWN AND MORE PARTICULARLY DESCRIBED BY THE PLAT OF SURVEY MADE BY LAMAR OLIFF REDDICK, SURVEYOR, RECORDED IN THE OFFICE OF THE CLERK OF THE SUPERIOR COURT OF EFFINGHAM COUNTY, GEORGIA, IN PLAT CABINET A, SLIDE 219-F, WHICH IS INCORPORATED INTO THIS DESCRIPTION BY SPECIFIC REFERENCE THERETO. 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 attorney`s fees (notice of intent to collect attorney`s fees having been given). Towne Mortgage Company can be contacted at 800-979-9977 or by writing to 888 W. Big Beaver Rd, Suite 310, Troy, MI 48084, to discuss possible alternatives to foreclosure. Said property will be sold subject to any outstanding ad valorem taxes (including taxes which are a lien, but not yet due and payable), any matters which might be disclosed by an accurate survey and inspection of the property, any assessments, liens, encumbrances, zoning ordinances, 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 Melissa M. Crocker or a tenant or tenants and said property is more commonly known as 111 Lazy Lagoon CT, Bloomingdale, GA 31302. 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. THIS IS AN ATTEMPT TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. Towne Mortgage Company d/b/a AmeriCU Mortgage, the current lender as attorney in fact for Melissa M. Crocker, unmarried woman Halliday, Watkins & Mann, P.C. 244 Inverness Center Drive, Suite 200 Birmingham, AL 35242 Phone: (801) 355-2886 Fax: (801) 328-9714 www.hwmlawfirm.com 23972 9.30.26 RL