NOTICE OF FORECLOSURE SALE – Clarke County Democrat

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Default having been made in the payment of the indebtedness secured by that certain mortgage executed by Ernest Gray, Jr. and wife, Minnie L. Gray, to United States of America, acting through the Farmers Home Administration, United States Department of Agriculture, on January 23, 1984, said mortgage being recorded in the Office of the Judge of Probate of Clarke County, Alabama, on January 24, 1984 at Book 655, at Page 428, as Document Number 01172. United States of America, acting through the United States Department of Agriculture Rural Housing Service (RHS), formerly Farmers Home Administration, the current holder, under and by virtue of the power of sale contained in said mortgage, will sell at public outcry to the highest bidder for cash, in front of the main entrance of the Clarke County Courthouse, in Grove Hill, Alabama, on November 21, 2024, during the legal hours of sale, the following described real estate, situated in Clarke County, Alabama, to-wit: Begin at the NW Corner of the SW 1/4, run South 1 degree 29 minutes East for 822.6 feet to the point of beginning, continue for 79 feet, thence East for 558.4 feet to the Jackson and Choctaw Bluff Road, thence North 16 degrees 55 minutes West, along said road for 82 feet, thence West for 534.4 feet back to the point of beginning, containing one (1) acre, more or less, and being a part of the SW 1/4 of Section 2, Township 5 North, Range 3 East, Clarke County, Alabama. LESS AND EXCEPT THEREFROM: All oil, gas and other minerals in, on and under the above described real estate together with all necessary rights of ingress and egress for the production and development of same, which has been reserved by a prior owner. More commonly known as: 488 Choctaw Bluff Road, Jackson, AL 36545 This Property will be sold on as “as is, where is” basis, without warranty or recourse, expressed or implied as to title, use and/or enjoyment and will be sold subject to the right of redemption of all parties entitled thereto. Alabama law gives some persons who have an interest in property the right to redeem the property under certain circumstances. Programs may also exist that help persons avoid or delay the foreclosure process. An attorney should be consulted to help you understand these rights and programs as part of the foreclosure process. This sale is made for the purpose of paying the indebtedness secured by said mortgage, as well as the expense of foreclosure. The successful bidder must tender certified funds by noon the next business day to Law Office of Halliday, Watkins & Mann, P.C. Certified funds must be in the form of a wire transfer, bank or credit union’s cashier’s check, or bank official check payable to Halliday, Watkins & Mann, P.C. Halliday, Watkins & Mann, P.C. reserves the right to award the bid to the next highest bidder should the highest bidder fail to timely tender the total amount due. If sale is voided, Mortgagee/Transferee shall return the bid amount to the successful purchaser and the Mortgagee/Transferee shall not be liable to the purchase for any damages. If the sale is set aside for any reason, the purchaser at the sale shall be only entitled to a return of the deposit and bid amount, if paid. The Mortgagee/Transferee reserves the right to bid for and purchase the real estate and to credit its purchase price against the expenses of sale and indebtedness secured by the real estate. This sale is subject to postponement or cancellation. United States of America, acting through the United States Department of Agriculture Rural Housing Service (RHS), formerly Farmers Home Administration (“Transferee”) Halliday, Watkins & Mann, P.C. 244 Inverness Center Drive Birmingham, AL 35242 Phone: (801) 355-2886 The Clarke County Democrat October 17, 2024, October 24, 2024, October 31, 2024

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