TS#: 2025-19041-TN Notice Of Substitute Trustee's Sale Whereas, Samantha N Sanders An Unmarried Woman by Deed of Trust (the "Deed of Trust"), dated 11/30/2017 and of record in Deed Book 1632, Page(s) 1851-1865, and/or as Instrument Number 2120564, in Register's Office of Rutherford County, Tennessee, conveyed to J.D. Kious, Trustee , the hereinafter described real property to secure the payment of a certain Promissory Note (the "Note") described in the Deed of Trust, which Note was payable to Guaranty Trust Company, and subsequently assigned to Freedom Mortgage Corporation, and Whereas, Nestor Solutions of Tennessee, LLC has been duly appointed Substitute Trustee by the owner and holder of the Note by instrument recorded 11/14/2024 in Deed Book 2487, Pages 3677-3679 and/or as Instrument Number 2570537 in Register's Office of Rutherford County, Tennessee; and Whereas, default has been made in the payment of the Note; and Whereas, the owner and holder of the Note has demanded that the hereinafter described real property be advertised and sold in satisfaction of the indebtedness and costs of foreclosure in accordance with the terms and provisions of the Note and Deed of Trust. The notice requirements of T.C.A. §35-5-101 and 35-5-104 have been satisfied. Now, Therefore, notice is hereby given that an agent of Nestor Solutions of Tennessee, LLC, Substitute Trustee, pursuant to the power, duty, and authority vested in and conferred by the Deed of Trust, will proceed to sell the below-mentioned property on 1/15/2026, at 11:00 AM at the Auction.com Room at the DoubleTree by Hilton Murfreesboro, 1850 Old Fort Parkway, Murfreesboro, TN 37129, to the highest call bidder for cash free from all legal, equitable and statutory rights of redemption, exemptions of homestead, rights by virtue of marriage, and all other exemptions of every kind, all of which have been waived in the Deed of Trust, certain real property located in Rutherford County, Tennessee, described as follows: The Land Referred To Herein Below Is Situated In The County Of Rutherford, State Of Tennessee, And Is Described As Follows: Land In Rutherford County, Tennessee, Being Lot No. 316, Final Plat, Section XII, Phase 1H, Colonial Estates Subdivision, As Shown By Plat Appearing Of Record In Plat Book 38, Page 264 And Plat Book 37, Page 271 And Corrected By Surveyor's Certificate Of Correction In Record Book 1314, Page 3539, Of The Register' S Office Of Rutherford County, Tennessee, To Which Plat Reference Is Hereby Made For More Complete Details Of Said Lot. The street address of the above-described property is believed to be 429 Drema Ct, Murfreesboro, TN 37127, but if 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. 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. In addition, the following parties may claim an interest in the above-referenced property: Owner of Property: Samantha N. Sanders, an unmarried woman Second Round Sub, LLC, Book 2166, Pages 2482-2483 and Instrument # 2403570 Portfolio Recovery Associates, LLC, Book 2126, Page 1805 and Instrument # 2383688 Midland Credit Management, Inc., Book 2238, Pages 1895-1896 and Instrument # 2439303 Republic Finance, LLC, Book 2432, Page 1611 and Instrument # 2542497 Colonial Estates, Section XII Homeowners' Association, Inc., Book 2573, Page 3497 and Instrument #2614032 Harpeth Financial Services LLC dba Advance Financial, Book 2507, Page 1103 and Instrument #2580090 The sale is subject to occupant(s) rights in possession of the premises. All right of equity of redemption, statutory and otherwise, and homestead 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. If the sale is set aside for any reason, the purchaser at the sale shall be entitled only to a return of the purchase price. The purchaser shall have no further record against the grantor, the grantee or the trustee. Internet Posting Website: https://tennesseepostings.com/ Publication Dates: 12/11/2025 and 12/18/2025 Nestor Solutions of Tennessee, LLC, Substitute Trustee 214 5th Street, Suite 205 Huntington Beach, California 92648 Phone: (888) 403-4115 TS#: 2025-19041-TN December 11, 18 2025 LOKR0419504