NOTICE OF DEFAULT AND FORECLOSURE SALE   WHEREAS, on February 21, 2007, a certain mortgage was executed by Charlotte Rabinowitz, as mortgagor in favor of 1st Mariner Bank as mortgagee and was recorded with the Clerk of Burlington County in Mortgage Book 11344 Page 569 or Instr # 4421740 (“Mortgage”); and WHEREAS, the Mortgage encumbers property located at 115 East Kings Highway, 211 Maple Shade, NJ 08052 Block 172.03; Lot 1 (“Property”); and WHEREAS, Charlotte Rabinowitz departed this life on March 21, 2025. Charlotte Rabinowitz was the owner of the real property that is the subject of the within foreclosure action. The plaintiff has conducted a diligent inquiry to ascertain if there is a spouse or testamentary devisee or any heirs at law of Charlotte Rabinowitz surviving. A search with the Burlington County Surrogate’s Office revealed that no probate proceedings had been filed. Plaintiff’s records do not contain any information regarding any heirs, devisees or a spouse. In the event that there are any other heirs at law and next of kin of decedent, Charlotte Rabinowitz, who are not known to plaintiff or are not set forth herein, plaintiff has joined the following persons as party defendants to this foreclosure action for any lien, claim or interest they may have in, to or against the mortgage premises: Charlotte Rabinowitz, deceased, his/her heirs, devisees and personal representatives, and his/her or any of their successors in right, title and interest. The State of New Jersey is made a party defendant to this foreclosure action for any state inheritance taxes and/or estate taxes which may be due to the State of New Jersey and which may be a lien against the mortgaged premises by reason of the death of Charlotte Rabinowitz, record owner of the mortgaged premises who passed away on March 21, 2025, a resident of the Township of Burlington, County of Burlington and State of New Jersey. The United States of America is made a defendant to this foreclosure action for any federal estate taxes which may be due to the United States of America and which may be a lien against the mortgaged premises by reason of the death of Charlotte Rabinowitz, owner of record of the mortgaged premises who departed this life on March 21, 2025. State of New Jersey is further named a party defendant to this foreclosure action for any outstanding taxes and for any possible escheat taxes that may be due and owing for the Estate of Charlotte Rabinowitz. ;and WHEREAS, the Property was owned by Charlotte Rabinowitz by virtue of deed dated 2/21/2007 and recorded 3/6/2007 in Book 6471 Page 320 ;and WHEREAS, the Mortgage is now owned by the Secretary of the United States Department of Housing and Urban Development ("Secretary"), pursuant to an assignment recorded on 1/22/2019 in Book OR13372 Page 9664 or Instr # 5436869, with the Clerk of Burlington County, New Jersey; and WHEREAS, a default has been made in the covenants and conditions of the Mortgage (paragraph 9 (a)(i)), as Charlotte Rabinowitz died on 3/21/2025 and that upon the death the entire principal balance becomes due and owing, and that no payment was made, and remains wholly unpaid as of the date of this Notice; and WHEREAS, the entire amount delinquent as of 6/13/2025 is $263,522.74 plus interest, costs and other charges through the sale date; and WHEREAS, by virtue of this default, the Secretary has declared the entire amount of the indebtedness secured by the Mortgage to be immediately due and payable;  NOW THEREFORE, pursuant to powers vested in me by the Single Family Mortgage Foreclosure Act of 1994, l2 U.S.C. 3751 et seq., by 24 CFR Part 29, and by the Secretary's designation of me as Foreclosure Commissioner, notice is hereby given that on 10/02/2025; at 10:00 AM at outside the Main Entrance of the Burlington County Courthouse located at 49 Rancocas Road, Mount Holly, New Jersey 08060 all real property and personal property at or used in connection with the following described premises will be sold at public action to the highest bidder: The following described real property, with the improvements and appurtenances thereunto belonging in fee simple, subject to the provisions of the Condominium Act of the State of New Jersey, P.L. 1969, c. 257, approved January 7, 1970, its supplements and amendments, and to the provisions of the Watergate Condominium Master Deed recorded in the Burlington County Clerk’s Office. ALL THAT CERTAIN real property situate, lying and being in the Township of Maple Shade, County of Burlington and State of New Jersey: BEING Unit #211 in Watergate Condominium, said Unit being more specifically defined in the Master Deed hereinabove mentioned and which Unit is herewith conveyed in conformity with the provision of the Condominium Act of the State of New Jersey aforesaid; and also the 0.304% undivided interest in the Common Elements appertaining to said unit as specified in the Master Deed hereinabove mentioned. Subject, nevertheless, to the provisions of said Condominium Act of the State of New Jersey, it supplements and amendments; to the conditions, restrictions, covenants and agreements set forth in said Master Deed, including the By-Laws of Watergate Condominium Association; and to the easements and other encumbrances referred to in the said Master Deed and easements and restrictions of record. The improvements thereon being commonly known as 115 East Kings Highway, Unit 211, Maple Shade, New Jersey 08052. Being the same Unit which by Deed Dated December 26, 1972 and Recorded among the Land Records of Burlington County in Book 1827 Page 555, was granted and conveyed by Kings Land Co., Inc., a New Jersey Corporation, unto Edward Kohn and Charlotte Kohn, his Wife.  The said Edward Kohn having since departed this life on or about July 5, 1974 thereby vesting absolute fee simple property unto Charlotte Kohn, now know as Charlotte Rabinowitz, as surviving tenant by the entirety. The sale will be held 10/02/2025; at 10:00 AM at outside the Main Entrance of the Burlington County Courthouse located at 49 Rancocas Road, Mount Holly, New Jersey 08060. The Secretary of Housing and Urban Development will bid $263,522.74 plus interest, costs and other charges through the sale date. Ten percent (10%) of the highest bid is the deposit required at the sale. The amount that must be paid to HUD by the mortgagors or someone acting on their behalf so that the sale may be stayed is the total delinquent amount of $263,522.74 as of 06/13/2025, plus all other amounts that would be due under the mortgage agreement if payments under the mortgage had not been accelerated, advertising costs and postage expenses incurred in giving notice, mileage by the most reasonable road distance for posting notices and for the Foreclosure Commissioner's attendance at the sale, reasonable and customary costs incurred for title and lien record searches, the necessary out-of-pocket costs incurred by the Foreclosure Commissioner for recording documents, a commission for the Foreclosure Commissioner, and all other costs incurred in connection with the foreclosure prior to reinstatement. There will be no proration of taxes, rents or other income or liabilities, except that the purchaser will pay, at or before closing, his prorata share of any real estate taxes that have been paid by the Secretary to the date of the foreclosure sale. When making their bid, all bidders, except the Secretary, must submit a deposit totaling ten percent 10% of the Secretary's bid as set forth above in the form of a certified check or cashier's check made out to the Secretary of HUD. Each oral bid need not be accompanied by a deposit. If the successful bid is oral, a deposit of ten (10%) percent must be presented before the bidding is closed. The deposit is nonrefundable. The remainder of the purchase price must be delivered within thirty (30) days of the sale or at such other time as the Secretary may determine for good cause shown, time being of the essence. This amount, like the bid deposits, must be delivered in the form of a certified or cashier's check. If the Secretary is the high bidder, he need not pay the bid amount in cash. The successful bidder will pay all conveyance fees, all real estate and other taxes that are due on or after the delivery of the remainder of the payment and all other costs associated with the transfer of title. At the conclusion of the sale, the deposits of the unsuccessful bidders will be returned to them. The Secretary may grant an extension of time within which to deliver the remainder of the payment. All extensions will be for fifteen (15) days, and a fee will be charged in the amount of $150.00 for each fifteen (15) day extension requested. The extension fee shall be paid in the form of a certified or cashier's check made payable to the Secretary of Housing and Urban Development. If the high bidder closes the sale prior to the expiration of any extension period, the unused portion of the extension fee shall be applied toward the amount due. If the high bidder is unable to close the sale within the required period, or within any extensions of time granted by the Secretary, the high bidder's deposit will be forfeited, and the Commissioner may, at the direction of the HUD Field Office Representative, offer the Property to the second highest bidder for an amount equal to the highest price offered by that bidder. There is no right of redemption, or right of possession based upon a right of redemption, in the mortgagor or others subsequent to a foreclosure completed pursuant to the Act. Therefore, the Foreclosure Commissioner will issue a Deed to the purchaser(s) upon receipt of the entire purchase price in accordance with the terms of the sale as provided herein.   KML LAW GROUP, P.C. Foreclosure Commissioners (215-825-6305) September 11, 18, 25, 2025 ($350.61)