448 VIKING DRIVE, SUITE 350 VIRGINIA BEACH, VA 23452 SUBSTITUTE TRUSTEES' SALE OF   VALUABLE FEE SIMPLE PROPERTY KNOWN AS  4733 Snow Hill Road Salisbury, MD 21804  Under and by virtue of the power of sale contained in a certain Deed of Trust to JACQUELYN ESKAY, Trustee(s), dated December 30, 2022, and recorded among the Land Records of WICOMICO COUNTY, MARYLAND in Liber 5203, folio 50, the holder of the indebtedness secured by this Deed of Trust having appointed the undersigned Substitute Trustees, by instrument duly recorded among the aforesaid Land Records, default having occurred under the terms thereof, and at the request of the party secured thereby, the undersigned Substitute Trustee will offer for sale at public auction at THE WICOMICO COUNTY COURTHOUSE LOCATED AT 101 NORTH DIVISION STREET, SALISBURY, MARYLAND 21801 ON,    SEPTEMBER 22, 2025 at 1:15 PM    ALL THAT FEE SIMPLE LOT OF GROUND and improvements thereon situated in WICOMICO COUNTY, MD and described as follows:  ALL THAT LOT OR PARCEL OF LAND LYING AND BEING IN NUTTERS  ELECTION DISTRICT OF WICOMICO COUNTY, STATE OF MARYLAND, LYING ON THE NORTHEASTERLY SIDE OF AND BINDING UPON SNOW HILL ROAD, ALSO KNOWN AS MARYLAND STATE ROUTE 12, HAVING A FRONTAGE THEREON OF 145.0 FEET, EXTENDING BACK THEREFROM 1 ALONG THE NORTHWESTERLY LINE OF THE PROPERTY FOR A DISTANCE OF 200.0 FEET, EXTENDING BACK THEREFROM ALONG THE SOUTHERLY LINE OF THE PROPERTY FOR A DISTANCE OF 145.0 FEET AND HAVING A WIDTH IN THE REAR OF 140.33 FEET; AND BEING ALL OF LOT NO. 1, IN BLOCK C, AS SHOWN ON A PLAT ENTITLED, "HOLLY WOOD SECTION NO. 1", MADE BY G. F. SCHAFER, SURVEYOR, IN FEBRUARY, 1958, AND RECORDED AMONG THE LAND RECORDS OF WICOMICO COUNTY, MARYLAND, IN LIBER JWTS NO. 444, FOLIO 69. The property will be sold in an "AS IS WHERE IS" condition without either express or implied warranty or representation, including but not limited to the description, fitness for a particular purpose or use, structural integrity, physical condition, construction, extent of construction, workmanship, materials, liability, zoning, subdivision, environmental condition, merchantability, compliance with building or housing codes or other laws, ordinances or regulations, or other similar matters, and subject to easements, agreements and restrictions of record which affect the same, if any. The property will be sold subject to all conditions, liens, restrictions and agreements of record affecting same including any condominium and of HOA assessments pursuant to Md Real Property Article 11-110. TERMS OF SALE: A deposit of $20,000.00 PAYABLE ONLY BY certified funds,shall be required at the time of sale. CASH WILL NOT BE AN ACCEPTABLE FORM OF DEPOSIT. The balance of the purchase price with interest at 5.875% per annum from the date of sale to the date of payment will be paid within TEN DAYS after the final ratification of the sale. There will be no abatement of interest for any reason. Adjustments on all taxes, public charges and special or regular assessments will be made as of the date of sale and thereafter assumed by purchaser. There will be no abatement of taxes, public charges and special or regular assessments for any reason. If applicable, condominium and/or homeowner association dues and assessments that may become due after the time of sale will be the responsibility of the purchaser. Title examination, conveyancing, state revenue stamps, transfer taxes, title insurance, and all other costs incident to settlement are to be paid by the  purchaser. Time is of the essence for the purchaser, otherwise the deposit will be forfeited, and the property may be resold at risk and costs of the defaulting purchaser and the purchaser agrees to pay reasonable attorneys' fees for the Substitute trustees, plus all cost incurred, if the Substitute Trustee's have filed the appropriate motion with the Court to resell the property. The purchasers waives personal service of any papers filed in connection with such a motion and expressly agrees to The purchaser agrees to accept service by first class mail at the address provided by the Purchaser as identified on the Memorandum of Sale. If the sale is not ratified or if the Substitute Trustees are unable to convey marketable title in accord with these terms of sale, the purchaser's only remedy is return of the deposit. The sale is subject 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 entered into a repayment agreement, reinstated, or paid off the loan prior to sale. In any such event, this sale shall be null and void, and the Purchaser's sol remedy, in law or equity, shall be the return of the deposit without interest.  Trustee's File No. (92193) Robert A. Jones, et al SUBSTITUTE TRUSTEES Harvey West Auctioneers 300 E. Joppa Rd Hampton Plaza-Suite 1103 Baltimore, MD 21286 www.hwestauctions.com 410-769-9797  Ad to appear in DAILY TIMES 9/4, 9/11,  9/18/2025