TRUSTEE'S SALE

110 IVYWOOD DR

STAFFORD, VA 22554

In execution of the Deed of Trust in the original principal amount of $273,577.00, dated April 15, 2020, and recorded as Instrument Number 200008253 in Stafford County land records, the appointed Substitute Trustee will offer for sale at public auction on the courthouse steps of the Circuit Court building for the County of Stafford located at 1300 Courthouse Road, Stafford, Virginia 22555-0069 on October 26, 2026 at 4:55 PM, the property described in said deed of trust, located at the above address and more particularly described as follows:

ALL THAT CERTAIN TRACT OR REAL ESTATE SITUATED IN ROCK HILL DISTRICT, STAFFORD COUNTY, VIRGINIA, DESCRIBED AS LOT 73, HERITAGE OAKS, SECTION TWO, ALL AS SHOWN AND DESCRIBED ON A PLAT PREPARED BY HARRY A.V. LUNSTROM, DATED JUNE 1981 AND RECORDED IN THE CLERK'S OFFICE OF THE CIRCUIT COURT OF STAFFORD COUNTY, VIRGINIA, IN PLAT BOOK 10, PAGES 294 AND 295, SUBJECT TO THE CERTAIN DEED OF DEDICATION DATED SEPTEMBER 16, 1982 AND RECORDED IN THE AFORESAID CLERK'S OFFICE IN DEED BOOK 425 AT PAGE 225.

PARCEL ID #19E-2-73

THIS BEING THE SAME PROPERTY CONVEYED TO OLGA A. LARA, UNMARRIED, SOLE OWNER FROM LARRY DICKERSON, UNMARRIED IN A DEED DATED MAY 7, 2015 AND RECORDED MAY 29, 2015, AS INSTRUMENT NO. 150008523

The property and improvements will be sold in "as is" physical condition without warranty of any kind.

TERMS OF SALE: A non-refundable bidder's deposit of 10% of the sale price or 10% of the original principal amount of the subject Deed of Trust, whichever is lower, by cashier's or certified check required at time of sale except for the party secured by the Deed of Trust. Risk of loss on purchaser from date and time of auction. Balance of the purchase price must be paid by cashier's check within 15 days from sale date. Except for Virginia Grantor tax, all settlement costs and expenses are purchaser's responsibility. Taxes are pro-rated to the date of sale. Purchaser is responsible for obtaining possession of the property. If purchaser defaults, deposit may be forfeited and property resold at the risk and cost of the defaulting purchaser who shall be liable for any deficiency in the purchase price and all costs, expenses and attorney’s fees of both sales. If Trustee does not convey title for any reason, purchaser's sole remedy is return of deposit without interest. This sale is subject to post-sale audit of the status of the loan secured by the Deed of Trust including but not limited to determining whether prior to sale a bankruptcy was filed, a forbearance, repayment or other agreement was entered into or the loan was reinstated or paid off; in any such event this sale shall be null and void and purchaser’s sole remedy shall be return of deposit without interest. This communication is from a debt collector and is an attempt to collect a debt and any information obtained will be used for that purpose.

SUBSTITUTE TRUSTEE: RAS Trustee Services, LLC,

101 North Lynnhaven Road, Suite 104,

Virginia Beach, Virginia 23452

FOR INFORMATION CONTACT:

RAS Trustee Services, LLC, Substitute Trustee

c/o Robertson, Anschutz, Schneid, Crane &

Partners, PLLC

11350 McCormick Road,

Executive Plaza I, Suite 302

Hunt Valley, Maryland 21031

(844) 442-2150

(470) 321- 7112

September 21st, 2026

September 28th, 2026

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