Foreclosure - Kratz - 8/20/25

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, on September 19, 2025. 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. MORTGAGE INFORMATION: Default has been made in the conditions of a certain mortgage made by Kevin Kratz, whose address is 193 West Munger Road, Munger, Michigan 48747, as original Mortgagors, to MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC., AS NOMINEE FOR NEWREZ, LLC, being a mortgage dated December 7, 2021, and recorded on March 1, 2022 with Document Number 202202954, Bay County Records, State of Michigan and then assigned to NewRez LLC d/b/a Shellpoint Mortgage Servicing, as assignee as documented by an assignment dated September 13, 2022 and recorded on September 13, 2022 and given document number 202213038 in Bay County Records, Michigan, on which mortgage there is claimed to be due at the date hereof the sum of EIGHTY-ONE THOUSAND SIX HUNDRED EIGHTEEN AND 25/100 DOLLARS ($81,618.25). Said premises are situated in the Township of Merritt, County of Bay, State of Michigan, and are described as: BEGINNING 547 FEET EAST OF THE NORTHWEST CORNER OF THE NORTHEAST 1/4 OF SECTION 20, TOWN 13 NORTH, RANGE 6 EAST, TOWNSHIP OF MERRITT, COUNTY OF BAY, STATE OF MICHIGAN:THENCE EAST 126 FEET; THENCE SOUTH 156 FEET, THENCE WEST 30 FEET, THENCE SOUTH 92 FEET; THENCE WEST 91 FEET ALONG THE NORTH BANK OF THE DRAINAGE DITCH, THENCE NORTHWESTERLY 248 FEET ALONG THE NORTHEASTERLY BANK OF THE DRAINAGE DITCH TO THE PLACE OF BEGINNING. SUBJECT TO THE RIGHT OF WAY FOR MUNGER ROAD (M-138) OVER THE NORTHERLY SIDE THEREOF. AND MORE PARTICULARLY DESCRIBED BY SURVEY RECORDED IN LIBER 1449, PAGES 730/731 AS: A PARCEL OF LAND IN THE WEST 1/2 OF THE NORTHEAST 1/4 OF SECTION 20, TOWN 13 NORTH, RANGE 6 EAST, MERRITT TOWNSHIP, BAY COUNTY, MICHIGAN, DESCRIBED AS FOLLOWS: TO FIX THE POINT OF BEGINNING, COMMENCE AT THE NORTH 1/4 CORNER OF SAID SECTION; THENCE SOUTH 90 DEGREES 00’00” EAST, ON THE NORTH LINE OF SAID SECTION, 547.00 FEET TO THE POINT OF BEGINNING OF THIS DESCRIPTION, THENCE SOUTH 90 DEGREES 00’ 00” EAST, ON SAID NORTH SECTION LINE, 126.00 FEET, THENCE SOUTH 00 DEGREES 00’ 00” WEST, PERPENDICULAR TO SAID NORTH SECTION LINE, 156.00 FEET, THENCE NORTH 90 DEGREES 00’ 00” WEST, PARALLEL WITH SAID NORTH SECTION LINE, 30.00 FEET: THENCE SOUTH 00 DEGREES 0’ 00” WEST, PERPENDICULAR TO SAID NORTH SECTION LINE, 92.00 FEET, THENCE NORTH 90 DEGREES 00’ 00” WEST, ON A LINE WHICH IS PARALLEL WITH AND 248.00 FEET, MEASURED AT RIGHT ANGLES, SOUTH OF SAID NORTH SECTION LINE, 91.00 FEET, THENCE NORTH 01 DEGREE 0’ 18” WEST, 248.05 FEET TO THE POINT OF BEGINNING. SUBJECT TO RIGHT OF WAY FOR MUNGER ROAD (M-138) OVER THE NORTHERLY SIDE THEREOF. Street Address: 193 West Munger Road, Munger, Michigan 48747 The redemption period shall be 6 months from the date of such sale, unless the property is determined abandoned in accordance with MCLA § 600.3241a in which case the redemption period shall be 30 days from the date of the sale. If the property is sold at a foreclosure sale under Chapter 32 of the Revised Judicature Act of 1961, pursuant to MCLA § 600.3278, the borrower 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. THIS FIRM IS A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT AND ANY INFORMATION WE OBTAIN WILL BE USED FOR THAT PURPOSE. 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. Dated: August 20, 2025 For more information, please contact the attorney for the party foreclosing: Robert A. Blumberg (P87490), Johnson, Blumberg, & Associates, LLC, 5955 West Main Street, Suite 509, Kalamazoo, MI 49009. Telephone: 312-541-9710. File No.: MI 25 6639. (08-20)(09-10) 34-4
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