NOTICE OF FORECLOSURE SALE

STATE OF TENNESSEE, LAKE COUNTY

WHEREAS, Tiffaney E Johnson executed a Deed of Trust to Mortgage Electronic Registration Systems, Inc., as beneficiary, as nominee for First Citizens National Bank, Lender and Sherrell Armstrong, Trustee(s), which was dated April 30, 2021, and recorded on May 5, 2021, in Book 58, at Page 763 in Lake County, Tennessee Register of Deeds.

WHEREAS, default having been made in the payment of the debt(s) and obligation(s) thereby secured by the said Deed of Trust and the current holder of said Deed of Trust, Citizens Bank NA f/k/a RBS Citizens NA, (the “Holder”), appointed the undersigned, Brock & Scott, PLLC, as Substitute Trustee, with all the rights, powers and privileges of the original Trustee named in said Deed of Trust; and

NOW, THEREFORE, notice is hereby given that the entire indebtedness has been declared due and payable as provided in said Deed of Trust by the Holder, and that as agent for the undersigned, Brock & Scott, PLLC, Substitute Trustee, by virtue of the power and authority vested in it, will on June 17, 2025, at 10:00 AM at the usual and customary location at the Lake County Courthouse, Tiptonville, Tennessee, proceed to sell at public outcry to the highest and best bidder for cash, the following described property situated in Lake County, Tennessee, to wit:

Situate, lying and being in the Second (2nd) Civil District of Lake County, Tennessee, within the corporate limits of the Town of Tiptonville, Tennessee, and described as follows:

TRACT 1: BEGINNING at a stake at the northwest intersection of Foster Street and Cherry Street, runs thence North 90 feet to a stake; thence West 156.35 feet to a stake; thence South 90 feet to a stake; thence East 157.7 feet to the point of beginning, being all of Lot 5 in the Coates Addition to the Town of Tiptonville, and the South one-half (1/2) of Lot 4 in said Addition.

Being further identified as Map 29-L, Group B, Parcel 7.00, in the records of the Tax Assessor's Office for Lake County, Tennessee.

TRACT 2: Being the North Half of Lot No. 4 of the Jessie Coates Addition, a plat of which is recorded in Book CC, page 452, in the Register's Office for Lake County, Tennessee, and being more particularly described as follows: BEGINNING at a stake in the west margin of Cherry Street, it being the northeast corner of a lot heretofore conveyed to Wyatt Robert Algee by the late Margaret J. Coates, it also being the southeast corner of the lot herein described; runs thence West with the Wyatt Robert Algee residence lot 156.8 feet to a stake, it being the northeast corner of the Wyatt Eakes et ux residence lot, it also being the northwest corner of the Wyatt Robert Algee residence lot, it likewise being the southwest corner of the lot herein described; runs thence North with the north half of Lot No. 15 of the Jessie Coates Addition, 30 feet to a stake, it being the southwest corner of Lot No. 3 of said Jessie Coates Addition, it also being the southeast corner of Lot No. 16 of said Jessie Coates Addition, it likewise being the northwest corner of the lot herein described; runs thence East with the south line of Lot No. 3 of said Jessie Coates Addition 155.9 feet to a stake in the west margin of Cherry Street, it being the southeast corner of Lot No. 3 of said Jessie Coates Addition, it also being the northeast corner of the lot herein described; runs thence South with the west margin of Cherry Street 30 feet to the point of beginning.

Being further identified as Map 29-L, Group B, Parcel 7.01, in the records of the Tax Assessor's Office for Lake County, Tennessee.

Being the same property conveyed to Tiffaney E. Johnson by deed recorded in Record Book 58, page 760, in the Register's Office for Lake County, Tennessee.

The sale of the property described above shall be subject to all matters shown on any recorded plat; any and all liens against said property for unpaid property taxes; any restrictive covenants, easements or set-back lines that may be applicable; any prior liens or encumbrances as well as any priority created by a fixture filing; a deed of trust; and any matter than an accurate survey of the premises might disclose; and

All right and equity of redemption, statutory or otherwise, homestead, and dower are expressly waived in said Deed of Trust, and the title is believed to be good, but the undersigned will sell and convey only as Substitute Trustee.  The right is reserved to adjourn the day of the sale to another day, time, and place certain without further publication, upon announcement at the time and place for the sale set forth above.

This office is attempting to collect a debt.  Any information obtained will be used for that purpose.

Brock & Scott, PLLC, Substitute Trustee

c/o Tennessee Foreclosure Department 

4360 Chamblee Dunwoody Road, Suite 310
Atlanta, GA 30341

PH: 404-789-2661 FX: 404-294-0919

File No.: 23-00074 FC02

4/23, 4/30, 5/7

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NOTICE OF SUBSTITUTE TRUSTEE’S SALE OF REAL ESTATE

WHEREAS, on October 12, 2023, SANDRA HAYNES SMITH, by Deed of Trust of record in Record Book 67, at Page 614, in the Register’s Office of Lake County, Tennessee, conveyed the following described property in trust to secure the payment of a Promissory Note in the original principal amount of Thirty Thousand and 00/100 Dollars ($30,000.00) payable to CENTENNIAL BANK; and

WHEREAS, the undersigned was appointed Substitute Trustee by Centennial Bank, which appointment will be recorded in the Register’s Office of Lake County, Tennessee prior to the deed evidencing this sale; and 

WHEREAS, default has been made in the payment of said indebtedness and other provisions of the Deed of Trust have been violated, and Centennial Bank, the lawful owner and holder of the said indebtedness, has declared the entire amount due and payable as provided by the Deed of Trust in accordance with the terms thereof, and instructed the undersigned to foreclose.

NOW, THEREFORE, the public is hereby notified that the undersigned Substitute Trustee will sell the hereinafter described real estate at public auction, to the highest and best bidder, for cash in hand paid in certified funds paid at the conclusion of the sale, or upon a credit bid from a bank or other lending entity pre-approved by the Substitute Trustee.  The auction shall occur at the north door of the Courthouse at Tiptonville, Lake County, Tennessee, on Monday, May 19, 2025, at 12:00 o’clock noon, said property to be sold in bar of the equity of redemption and subject to the lien of all special assessments against it.  

Lying, and being situate in the City of Ridgely, 5th Civil District of Lake County, Tennessee, bounded and described as follows; to-wit:

Lying and being situate in the 5th Civil District of Lake County, Tennessee:

BEGINNING at the point of intersection of the South line of Madie Street and the East line of North Main Street; said point being in the West line of a concrete sidewalk running along the East side of North Main Street; thence North 87 degrees and 30 minutes East with the South line of Madie Street for a distance of 110.0 feet to a point; thence South 2 degrees and 30 minutes East for a distance of 100.0 feet to a point; thence South 87 degrees and 30 minutes West with the North line of the Zaricor lot for a distance of 110.0 feet to a point in the East line of North Main Street; thence North 2 degrees and 33 minutes West with the East line of North Main Street (West edge of sidewalk) for a distance of 100.0 feet to the point of beginning.  (Description taken from prior deed of record)

Map 057F, Group H, Parcel 001.00

It being the same property as that described in a Warranty Deed from Ray Goodgine and wife, Kim Goodgine, to Sandra Haynes Smith, dated October 12, 2023, and of record in Record Book 67, at Page 611, in the Register’s Office of Lake County, Tennessee.  

The street address of the above-described property is believed to be 224 N Main St., Ridgely, Tennessee 38080, but such address is not part of the legal description of the property sold herein and in the event of any discrepancy, the legal description herein shall control.

SALE IS SUBJECT TO TENANT(S) RIGHTS IN POSSESSION, IF ANY.

This sale is subject to all matters shown on any applicable recorded plat; any unpaid taxes; any restrictive covenants, easements, or setback lines that may be applicable; any statutory rights of redemption of any governmental agency, state or federal; any prior liens or encumbrances as well as any priority created by a fixture filing; and to any matter that an accurate survey of the premises might disclose.  Other interested parties:  None.

  Title to said property is believed to be good, but the undersigned will sell as Substitute Trustee only and will assign to the purchaser all covenants of warranty contained in said Deed of Trust.  

 The sale held pursuant to this Notice may be rescinded at the Successor Trustee’s option at any time.  Said sale may be adjourned to another time or may be postponed to another date by public announcement at the appointed time of sale without readvertisement.

This office is a debt collector.  This is an attempt to collect a debt and any information obtained will be used for that purpose.

WITNESS my signature, this the 23rd day of April, 2025.

KIZER, BONDS, HUGHES & BOWEN, LLC

BY:  STEPHEN L. HUGHES

Substitute Trustee

1. O. Box 320

Milan, TN  38358

(731) 686-1198

4/23, 4/30, 5/7

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