SHERIFF'S SALE By virtue of a writ of execution directed to the Sheriff of Atlantic County, issued out of the Superior Court of New Jersey, Chancery Division, Atlantic County, Docket F-018004-19 will be sold at public vendue at the Criminal Court Complex, 4997 Unami Blvd., Mays Landing, NJ 08330 on THURSDAY, JANUARY 15TH, 2026 AT 12:00 O'CLOCK. CONCISE DESCRIPTION This property to be sold is located in the CITY OF ATLANTIC CITY in the county of Atlantic, State of New Jersey. Property commonly known as: 3 ITALY TERRACE, ATLANTIC CITY, NJ 08401 Tax Lot #: 10, in Block #: 337 Dimensions of Lot: (Approximately) 17.25 X 40 Nearest Cross Street: MISSISSIPPI AVENUE Good Faith Estimate of Upset Price: $69,964.65 Occupancy Status: Vacant A FULL LEGAL DESCRIPTION OF THE PREMISES CAN BE FOUND IN THE OFFICE OF THE SHERIFF OF ATLANTIC COUTNY The sale is subject to any unpaid taxes and assessments, tax, water, and sewer liens and other municipal assessments, including but not limited to, Certificate of Sale 24-10286 sold on December 20, 2024, with an approximate redempttion amount of $1,496.32 as of June 16, 2025. The amount due can be obtained from the local taxing authority. Pursuant to N.J.S.A. 46:8B-21 the sale may also be subject to the limited lien priority of any Condominium/Homeowner Association liens which may exist. ALL INTERESTED PARTIES ARE TO CONDUCT AND RELY UPON THEIR OWN INDEPENDENT INVESTIGATION TO ASCERTAIN WHETHER OR NOT ANY OUTSTANDING INTEREST REMAIN OF RECORD AND/OR HAVE PRIORITY OVER THE LIEN BEING FORECLOSED AND, IF SO THE CURRENT AMOUNT DUE THEREON.  **IF THE SALE IS SET ASIDE FOR ANY REASON, THE PURCHASER AT THE SALE SHALL BE ENTITLED ONLY TO A RETURN OF THE DEPOSIT PAID. THE PURCHASER SHALL HAVE NO FURTHER RECOURSE AGAINST THE MORTGAGOR, THE MORTGAGEE OR THE MORTGAGEE’S ATTORNEY. Additional Requirements: Purchaser must certify that Purchaser is not employed by The Toronto-Dominion Bank, or any of its subsidiaries or affiliated corporations (the "Bank"), nor is Purchaser related in any way with solicitors or agents retained by or on behalf of the Bank in relation to the property that is the subject of this transaction and confirming that Purchaser is dealing at arm's length with the aforementioned parties. SURPLUS MONEY: If after the sale and satisfaction of the mortgage debt, including costs and expenses, there remains any surplus money, the money will be deposited into the Superior Court Trust Fund and any person claiming the surplus, or any part thereof, may file a motion pursuant to Court Rules 4:64-3 and 4:57-2 stating the nature and extent of that person's claim and asking for an order directing payment of the surplus money. The Sheriff or other person conducting the sale will have information regarding the surplus, if any. Judgment Amount: $158,444.83 besides interest, cost and fees. Seized as the property of JOAQUIN C. SANTIAGO AND MRS. JOAQUIN C. SANTIAGO, HIS WIFE, defendant(s), and taken in execution at the suit of TD BANK, N.A., plaintiff, and to be sold by JOSEPH A. O'DONOGHUE Atlantic County Sheriff The purchaser must pay 20% of the sale price in certified check, cashier's check or treasurer's check immediately. All checks made payable to Atlantic County Sheriff's Office. A separate check is required for each purchase you make. The balance to be paid within 30 days, also in certified check, cashier's check or treasurer's check by 4:00 p.m. in the Sheriff's Office in Mays Landing, New Jersey. The status of this sale and other Sheriff's Sales can be found on our website: www.acsheriff.org Duane Morris LLP 30 South 17th Street Philadelphia, PA 19103 215-979-1000 Attorneys for Plaintiff 12/17, 12/24, 12/31/2025, 1/7/2026 Ptr. Fee: $193.44 Ad#11832809