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2780 Rita Cir, Valdosta, GA 31601-2702 · Lowndes County
Completed · Auction held October 6, 2026
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For this property only. Prepared by our title team and emailed to you.
An illustrative scenario from your assumptions, not an estimate for this property.
Profit as a percentage of the total cost of the deal, earned over the 180-day hold. Not a yearly rate.
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Maximum bid for this scenario
$165,183
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NOTICE OF SALE UNDER POWER GEORGIA, LOWNDES COUNTY By virtue of a Power of Sale con tained in that certain Security Deed from CYNTHIA M CUM - MINGS AKA CINDY M CUM - MINGS and WILLIAM ROTH to CITIZENS BANK, NA, dated July 25, 2019, recorded August 5, 2019, in Book 6601, Page 980, Lowndes County, Georgia Re cords, said Security Deed having been given to secure a Note of even date in the original principal amount of One Hundred Twenty Thousand and 00/100 dollars ($120,000.00), with interest there on as provided for therein, said Security Deed having been last sold, assigned and transferred to CITIZENS BANK NA f/k/a RBS CITIZENS NA, there will be sold at public outcry to the highest bidder for cash at the Lowndes County Courthouse, within the le gal hours of sale on the first Tues - day in October, 2026, all property described in said Security Deed including but not limited to the fol lowing described property: ALL THAT TRACT OR PARCEL OF LAND SITUATE, LYING AND BEING IN LAND LOT NO. 113 IN THE 11TH LAND DISTRICT OF LOWNDES COUNTY, GEOR - GIA, AND BEING MORE PAR - TICULARLY DESCRIBED AS BEING ALL OF LOT 7 IN BLOCK C OF PHARIS SUBDIVISION, ACCORDING TO A MAP OR PLAT OF SURVEY THEREOF RECORDED IN PLAT RECORD BOOK C, PAGE 85, IN THE OF - FICE OF THE CLERK OF THE SUPERIOR COURT OF LOWN - DES COUNTY, GEORGIA, TO WHICH MAP OR PLAT OF SURVEY AND THE RECORD WHEREOF REFERENCE IS HEREBY MADE FOR ALL PUR - POSES IN AID OF DESCRIP - TION. SAID DESCRIBED PROP - ERTY HAS LOCATED THEREON A RESIDENCE DWELLING KNOWN AND DESIGNATED AS 2780 RITA CIRCLE ACCORD - ING TO THE PRESENT SYSTEM OF NUMBERING HOUSES IN VALDOSTA, LOWNDES COUN - TY, GEORGIA. MAP AND PARCEL NO. 0168 073. Said legal description being con trolling, however the property is more commonly known as 2780 RITA CIR, VALDOSTA, GA 31601. The indebtedness secured by said Security Deed has been and is hereby declared due because of default under the terms of said Security Deed. The indebtedness remaining in default, this sale will be made for the purpose of paying the same, all expenses of the sale, includ ing attorneys’ fees (notice to col - lect same having been given) and all other payments provided for under the terms of the Security Deed. Said property will be sold on an “as-is” basis without any repre sentation, warranty or recourse against the above-named or the undersigned. The sale will also be subject to the following items which may affect the title: any outstanding ad valorem tax es (including taxes which are a lien, whether or not now due and payable); the right of redemption of any taxing authority; matters which would be disclosed by an accurate survey or by an inspec tion of the property; all zoning ordinances; assessments; liens; encumbrances; restrictions; cov enants, and any other matters of record superior to said Security Deed. To the best of the knowledge and belief of the undersigned, the owner and party in posses sion of the property is CYNTHIA M CUMMINGS AKA CINDY M CUMMINGS, WILLIAM ROTH, or tenants(s). 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) pur chaser’s tendering to Rubin Lub - lin, LLC, anti-money laundering information as required pursuant to the FinCEN Real Estate Re port Rule. Failure to provide infor - mation, could result in rescission of the sale. The entity having full authority to negotiate, amend and modify all terms of the loan (although not re quired by law to do so) is: Citizens Bank, N.A., Loss Mitigation Dept., 10561 Telegraph Road, Glen Al len, VA 23059, Telephone Num - ber: (800) 234-6002. Nothing in O.C.G.A. Section 44-14-162.2 shall be construed to require a secured creditor to negotiate, amend, or modify the terms of the mortgage instrument. CITIZENS BANK NA F/K/A RBS CITIZENS NA as Attorney in Fact for CYNTHIA M CUMMINGS AKA CINDY M CUMMINGS, WILLIAM ROTH THE BELOW LAW FIRM MAY BE HELD TO BE ACTING AS A DEBT COLLECTOR, UNDER FEDERAL LAW. IF SO, ANY IN - FORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. Attorney Contact: Rubin Lublin, LLC 3145 Avalon Ridge Place, Suite 100, Peachtree Corners, GA 30071 Telephone Number: (877) 813-0992 Case No. CBN-26-02034-3 946530 09/10/2026, 09/17/2026, 09/24/2026, 10/01/2026 rlselaw.com/property-listing
Recorded from 3 sources. First recorded August 12, 2026. Record as of October 26, 2026. About this data & licence
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