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NOTICE OF SALE UNDER POWER, FRANKLIN COUNTY
Pursuant to the Power of Sale contained in a Security Deed given by Kevin Davy and Dana Davy to Mortgage Electronic Registration Systems, Inc., as grantee, as nominee for Homeowners Financial Group USA, LLC, its successors and assigns dated 5/20/2022 and recorded in Deed Book 1526 Page 85 Franklin County, Georgia records; as last transferred to or acquired by PENNYMAC LOAN SERVICES, LLC, conveying the after-described property to secure a Note in the original principal amount of $250,381.00, with interest at the rate specified therein, there will be sold by the undersigned at public outcry to the highest bidder for cash before the Courthouse door of Franklin County, Georgia (or such other area as designated by Order of the Superior Court of said county), within the legal hours of sale on September 1, 2026 (being the first Tuesday of said month unless said date falls on a Federal Holiday, in which case being the first Wednesday of said month), the following described property:
Tract No. 1
All that tract or parcel of land lying and being in the 370th District, G.M., of Franklin County, Georgia, containing 0.225 acres more or less, and being located in the City of Royston, said tract being triangular in shape and being bounded as follows: On the Northeast by lands now or formerly of John W. Savage; On the West by lands now or formerly of the Harold Jordan Estate; and On the Southeast by lands now or formerly of Duncan Ridgway. Said tract of land being designated as Tract No. 1 is more particularly described in a plat of survey prepared by John L. Herring, Registered Land Surveyor, dated November 25, 1972, and recorded in the Office of the Clerk of Superior Court of Franklin County, Georgia, Plat Book 10, Page 268. Said plat is by reference thereto incorporated herein and made a part of this description. This being the same property as that conveyed in a Warranty Deed from Thomas M. Strickland to James D. Ridgway, dated the 28th day of July, 1976, recorded in Deed Book 209, Page 68, said Clerk's Office.
Tract No. 2
All that tract or parcel of land lying and being in the 370th District, G.M., of Franklin County, Georgia, and being located in the City of Royston, containing 0.698 acres more or less, and being designated as a 40-foot street running between Lot No. 11, Block "E", Pine Valley Subdivision, and Lot No. 15, Block "B" of said Subdivision, said Subdivision being fully described by a plat of survey prepared by J.B. Stephenson, Registered Surveyor, in January and February 1959, a copy of said plat being recorded in Plat Book 1, Page 249, records of Franklin County, Georgia, and said plat and the recordation thereof are by reference incorporated herein as a part hereof. Said Lot No. 11 hereby conveyed being bounded on the Northeast by Pine Valley Drive a distance of 51.7 feet; on the East by Lot No. 10 of Block "E" of said Subdivision a distance of 168 feet; on the South by property of Harold Jordan a distance of 159 feet; on the Northwest by a 40-foot street running between property herein described and Lot No. 15 of Block "B" of said Subdivision a distance of 234.2 feet. No interest or right of easement is hereby conveyed to any other street shown on said plat except those that have heretofore been conveyed to the City of Royston for street purposes.
This being the same property as that conveyed in a Warranty Deed from Romero M. Adams and Frank K. Harbin, Jr., to James Duncan Ridgway and Barbara J. Ridgway, dated the 2nd day of August, 1962, recorded in Deed Book 153, Page 30, said Clerk's Office.
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 attorneys fees (notice of intent to collect attorneys fees having been given). Said property is commonly known as 373 Pine Valley Drive, Royston, GA 30662-2207 together with all fixtures and personal property attached to and constituting a part of said property, if any.
To the best knowledge and belief of the undersigned, the party (or parties) in possession of the subject property is (are): Kevin Davy and Dana Davy or tenant or tenants. PennyMac Loan Services, LLC is the entity or individual designated, who shall have full authority to negotiate, amend and modify all terms of the mortgage.
PennyMac Loan Services, LLC Loss Mitigation 3043 Townsgate Road #200, Westlake Village, CA 91361 1-866-549-3583
Note, however, that such entity or individual is not required by law to negotiate, amend or modify the terms of the loan.
Said property will be sold subject to: (a) any outstanding ad valorem taxes (including taxes which are a lien, but not yet due and payable), (b) unpaid water or sewage bills that constitute a lien against the property whether due and payable or not yet due and payable and which may not be of record, (c) the right of redemption of any taxing authority, (d) any matters which might be disclosed by an accurate survey and inspection of the property, and (e) any assessments, liens, encumbrances, zoning ordinances, restrictions, covenants, and matters of record superior to the Security Deed first set out above. The sale will be conducted subject to (1) confirmation that the sale is not prohibited under the U.S. Bankruptcy Code; and (2) final confirmation and audit of the status of the loan with the holder of the Security Deed.
Pursuant to O.C.G.A. Section 9-13-172.1, which allows for certain procedures regarding the rescission of judicial and non-judicial sales in the State of Georgia, the Deed Under Power and other foreclosure documents may not be provided until final confirmation and audit of the status of the loan as provided immediately above.
PENNYMAC LOAN SERVICES, LLC as agent and Attorney in Fact for Kevin Davy and Dana Davy Aldridge Pite, LLP, Six Piedmont Center, 3525 Piedmont Road, N.E., Suite 700, Atlanta, Georgia 30305, (404) 994-7400.
1120-8857A
THIS LAW FIRM MAY BE ACTING AS A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE.
1120-8857A
#916826-8/27
