TRUSTEE’S SALE OF

2225 ROCK CREEK ROAD,

FREDERICKSBURG, VIRGINIA 22407

COUNTY OF SPOTSYLVANIA

In execution of a certain deed of trust dated 04/30/19, in the original principal amount of $162,000.00 recorded in the County of Spotsylvania, Virginia, as Instrument No. 190006385, as amended by an instrument appointing Surety Trustees, LLC as Substitute Trustee, default having occurred in the payment of the Note thereby secured and at the request of the holder, the Substitute Trustee will offer for sale at public auction in the front of the building housing the Circuit Court of the COUNTY OF SPOTSYLVANIA, VA located at 9107 Judicial Center Lane, Spotsylvania, Virginia, 22553 on February 19, 2025, at 10:00am, the property described in said deed of trust, located at the above address, with improvements thereon and more particularly described as follows: ALL THAT CERTAIN LOT, PARCEL OR TRACT OF LAND, SITUATE, LYING AND BEING IN COURTLAND MAGISTERIAL DISTRICT, SPOTSYLVANIA COUNTY, VIRGINIA, KNOWN AND DESIGNATED AS LOT 211, SECTION 7, MILL GARDEN TOWNHOUSES SUBDIVISION, AS SHOWN ON PLAT OF SURVEY MADE BY SULLIVAN, DONAHOE & INGALLS, C.L.S., DATED JUNE 18, 1984, AND DULY RECORDED IN PLAT BOOK 15, PAGES 97 AND 98, IN THE CLERK'S OFFICE OF THE CIRCUIT COURT OF SPOTSYLVANIA COUNTY, VIRGINIA. TERMS OF SALE: Neither the Substitute Trustee nor the holder of the note secured by the deed of trust will deliver possession of the property to the successful bidder. The purchaser at the sale will be required to pay all closing costs. Real estate taxes, water/sewer fees and other public charges will be prorated as of the date of sale. The risk of loss or damage to the property passes to the purchaser immediately upon the conclusion of the Substitute Trustee’s sale. Terms: A bidder’s deposit of ten percent (10%) of the sale price or ten percent price (10%) of the original principal balance of the subject deed of trust, whichever is lower, in the form of cash or certified funds payable to the Substitute Trustee must be present at the time of sale. The balance of the purchase price will be due within 20 days at the office of the Substitute Trustee. The Substitute Trustee reserves the right to suspend bidding prior to completion of the sale. Time is of the essence as to the closing date and the payment of the purchase price. If payment of the balance does not occur within twenty days of the sale date, the deposit will be forfeited. Seller shall not be responsible for any costs incurred by the purchaser in connection with their purchase or settlement, including, without limitation, state and local recording fees, title insurance or research, or any other costs of purchaser’s acquisition. Trustee shall have no duty to obtain possession for purchaser. All risks of casualty pass to successful bidder at conclusion of bidding. The property and the improvements thereon will be sold “AS IS” and without representation or warranties of any kind. The sale is subject to all liens, encumbrances, conditions, easements and restrictions, if any, superior to the mentioned deed of trust and lawfully affecting the property. Sale is subject to post-sale confirmation that the borrower did not file for protection under the U.S. Bankruptcy Code prior to the sale, as well as to post-sale confirmation and audit of the status of the loan with the loan servicer including, but not limited to, determination of whether the borrower(s) entered into any repayment agreement, reinstated or paid off the loan prior to the sale. In any such event, the sale shall be null and void, and the Purchaser’s sole remedy, in law or equity, shall be the return of the Purchaser’s deposit without interest. Additional terms to be announced at the sale. For more information contact: Michael T. Cantrell, Esq., member of Surety Trustees, at 301-490-3361 or

www.mwc-law.com.

January 16th, 2025

January 23rd, 2025

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