Foreclosure - LaFave - 4/17/24

FORECLOSURE NOTICE Attention homeowner: If you are a military service member on active duty, if your period of active duty has concluded less than 90 days ago, or if you have been ordered to active duty, please contact the attorney for the party foreclosing the mortgage at the telephone number stated in this notice. Notice of foreclosure by advertisement. Notice is given under section 3212 of the revised judicature act of 1961, 1961 PA 236, MCL 600.3212, that the following mortgage will be foreclosed by a sale of the mortgaged premises, or some part of them, at a public auction sale to the highest bidder for cash or cashier’s check at the place of holding the circuit court in Bay County, starting promptly at 11:00 AM, May 17, 2024. The amount due on the mortgage may be greater on the day of the sale. Placing the highest bid at the sale does not automatically entitle the purchaser to free and clear ownership of the property. A potential purchaser is encouraged to contact the county register of deeds office or a title insurance company, either of which may charge a fee for this information. Default has been made in the conditions of a certain mortgage made by Stacey Ann LaFave, A Single Woman to Mortgage Electronic Registration Systems, Inc. acting solely as nominee for Kaye Financial Corporation , Mortgagee, dated June 5, 2014, and recorded on June 12, 2014, in Liber 3034, Page 394, Bay County Records, said mortgage was assigned to VRMTG Asset Trust, U.S. Bank Trust National Association, not in its individual capacity but solely as Owner Trustee by an Assignment of Mortgage dated January 17, 2024 and recorded February 14, 2024 by Document Number: 202401511, on which mortgage there is claimed to be due at the date hereof the sum of Two Hundred Forty Thousand Four Hundred Eighty-Three and 88/100 ($240,483.88) including interest at the rate of 4.75000% per annum. Said premises are situated in the Township of Bangor, Bay County, Michigan, and are described as: Lot 20 and the Northerly 1/2 of Lot 19, Killarney Beach, Bangor Township, Bay County, Michigan, as per plat thereof recorded in Liber 4 of Plats, Page 45 of Bay County Records. Also, beginning at the intersection of the Southerly and Easterly line of the Northerly 1/2 of Lot 19; running thence Easterly along the Southerly line of the North 1/2 of Lot 19 if extended to the meander line of Saginaw Bay; thence Northerly along said meander line to the intersection thereof with the Northerly line of Lot 20, if extended; thence Westerly along said line to the intersection of the Northerly and Easterly lines of Lot 20; thence Southerly along the Easterly line of Lots 20 and 19 to the North 1/2 of said Lot 19. Also, Commencing at the center of Section 19, Town 15 North, Range 5 East, Bangor Township, Bay County, Michigan; thence North 89 degrees 53 minutes and 27 seconds East 121.67 feet along the East-West 1/4 line to the Easterly Right of Way line of the former D&M Railroad and the Westerly Right of Way line of Tobico Road as shown on Killarney Beach, as per plat thereof recorded in Liber 4 of Plats, Page 45; thence North 19 degrees 33 minutes 56 seconds West 596.72 feet along the Easterly Right of Way Line of the former D&M Railroad and the Westerly Right of Way Line of Tobico Road as shown on Killarney Beach to the point of curve or a curve to the left having a radius of 6222.01 feet and a delta angle of 8 degrees 5 minutes and 20 seconds; thence Northwesterly 88.71 feet along the arc of said curve to the left, having a chord bearing and distance of North 19 degrees 58 minutes and 26 seconds West 88.71 feet to the point of beginning; thence Northwesterly 60.17 feet along the arc of said curve to the left, a chord bearing and distance of North 20 degrees 39 minutes 34 seconds West 60.17 feet; thence South 69 degrees 3 minutes 49 seconds West 100.0 feet to a point on a curve of a curve to the right having a radius of 6122.01 feet and a delta angle of 8 degrees 5 minutes 20 seconds; thence Southeasterly 59.20 feet along the arc of said curve to the right a chord bearing and distance South 20 degrees, 39 minutes, 34 seconds East 59.20 feet; thence North 69 degrees 37 minutes, 3 seconds East 100.0 feet to the point of beginning. Commonly known as: 358 KILLARNEY BEACH, BAY CITY, MI 48706 If the property is eventually sold at foreclosure sale, the redemption period will be 6.00 months from the date of sale unless the property is abandoned or used for agricultural purposes. If the property is determined abandoned in accordance with MCL 600.3241 and/or 600.3241a, the redemption period will be 30 days from the date of sale, or 15 days after statutory notice, whichever is later. If the property is presumed to be used for agricultural purposes prior to the date of the foreclosure sale pursuant to MCL 600.3240, the redemption period is 1 year. Pursuant to MCL 600.3278, if the property is sold at a foreclosure sale, the borrower(s) will be held responsible to the person who buys the property at the mortgage foreclosure sale or to the mortgage holder for damaging the property during the redemption period. TO ALL PURCHASERS: The foreclosing mortgagee can rescind the sale. In that event, your damages are, if any, limited solely to the return of the bid amount tendered at sale, plus interest. Dated: April 17, 2024 Randall S. Miller & Associates, P.C. Attorneys for VRMTG Asset Trust, U.S. Bank Trust National Association, not in its individual capacity but solely as Owner Trustee 43252 Woodward Avenue, Suite 180, Bloomfield Hills, MI 48302, 248-335-9200, Hours: 9:00 a.m. - 5:00 p.m., Case No. 23MI00189-1. (04-17)(05-08) 16-4
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