NOTICE OF SALE UNDER POWER FORECLOSURE NOTICE WHEREAS, default has occurred in the performance of the covenants, terms and conditions of a Mortgage from HARVEY BELL AND KRISTIE BELL, HUSBAND AND WIFE, AND MATTIE BELL, SINGLE, AS JWROS to MORTGAGE ELECTRONIC REGISTRATION SYSTEMS INC. AS MORTGAGEE, AS NOMINEE FOR UNITED WHOLESALE MORTGAGE , on the 10th day of March, 2009, said mortgage recorded in the Office of the Judge of Probate of Etowah County, Alabama, on March 23, 2009, at Instrument Number 3310448, Etowah County, Alabama Records, said Mortgage having subsequently been transferred and assigned to PennyMac Loan Services, LLC, by instrument recorded in the aforesaid Probate Office; notice is hereby given that the undersigned PennyMac Loan Services, LLC, as Mortgagee/Transferee, under and by virtue of the power of sale contained in said mortgage, will sell at public outcry to the highest bidder for cash at the main entrance to the Etowah county courthouse located at 800 Forrest Avenue, Gadsen, AL 35901 in Gadsden, Etowah County, Alabama, on April 30, 2026, during the legal hours of sale, all of its right, title, and interest in and to the following described real estate, situated in Etowah County, Alabama, to-wit: PARCEL 1: BEGIN AT AN EXISTING 1/2 INCH IRON PIPE MARKING THE MOST NORTHERLY CORNER OF LOT 15, MOUNTAIN CREEK UNIT THREE AS RECORDED IN PLAT BOOK J, PAGE 123, ETOWAH COUNTY PROBATE OFFICE AND RUN SOUTH 51 DEGREES 32 MINUTES 00 SECONDS WEST (REFERENCE BEARING) ALONG THE NORTHWESTERLY LINE OF LOT 15 A DISTANCE OF 180.00 FEET TO AN IRON PIN SET (1/2 INCH REBAR WITH CAP STAMPED JBW&T INC, CA0046LS) THENCE RUN SOUTH 59 DEGREES, 42 MINUTES 34 SECONDS EAST A DISTANCE OF 200.00 FEET TO AN IRON PIN SET ON THE WESTERLY RIGHT OF WAY LINE OF MOUNTAIN CREEK DRIVE (60 FOOT RIGHT OF WAY) THENCE RUN NORTH 3 DEGREES 9 MINUTES 44 SECONDS WEST ALONG SAID RIGHT OF WAY LINE A DISTANCE OF 26.85 FEET TO AN IRON PIN SET ON THE SOUTHWESTERLY RIGHT OF WAY LINE OF DELLWOOD PLACE (60 FOOT RIGHT OF WAY) THENCE RUN NORTH 73 DEGREES 52 MINUTES 20 SECONDS WEST ALONG SAID RIGHT OF WAY LINE A DISTANCE OF 158.64 FEET TO AN EXISTING 3/8 INCH PIPE; THENCE CONTINUE ALONG SAID RIGHT OF WAY LINE AND ALONG A CURVE TO THE RIGHT HAVING A DELTA + 35 DEGREES 30 MINUTES 18 SECONDS RADIUS = 165.41 FEET A DISTANCE OF 100.87 FEET, MEASURED ALONG THE CHORD OF SAID CURVE HAVING A CHORD BEARING OF NORTH 56 DEGREES 10 MINUTES 57 SECONDS WEST TO THE POINT OF BEGINNING. SAID PARCEL #1 BEING A PORTION OF LOT 15, MOUNTAIN CREEK UNIT THREE AS RECORDED IN PLAT BOOK "J", PAGE 123, ETOWAH COUNTY PROBATE OFFICE AND A PORTION OF THE SOUTHEAST 1/4 OF THE NORTHWEST 14 OF SECTION 19, TOWNSHIP 11 SOUTH, RANGE 7 EAST, BEING SUBJECT TO A DRAINAGE EASEMENT 10 FEET IN WIDTH ALONG THE NORTHWESTERLY SIDE OF THE PROPERTY AND BEING SUBJECT TO A DRAINAGE EASEMENT 30 FOOT IN WIDTH ALONG THE SOUTHEASTERLY SIDE OF THE PROPERTY, LYING AND BEING IN ETOWAH COUNTY, ALABAMA. PARCEL #2: COMMENCE AT AN EXISTING 1/2 INCH PIPE MARKING THE MOST NORTHERLY CORNER OF LOT 15, MOUNTAIN CREEK UNION THREE AS RECORDED IN PLAT BOOK "J", PAGE 123, ETOWAH COUNTY PROBATE OFFICE AND RUN SOUTH 51 DEGREES, 32' 00" SECONDS WEST (REFERENCE BEARING) ALONG THE NORTHWESTERLY LINE OF LOT 15 A DISTANCE OF 180.00 FEET TO AN IRON PIN SET (1/2 REBAR WITH CAP STAMPED JBW&T, INC., CA0046LS) THENCE RUN SOUTH 59 DEGREES 48 MINUTES 51 SECONDS EAST A DISTANCE OF 242.42 FEET TO AN IRON PIN SET AND THE POINT OF BEGINNING. FROM SAID POINT OF BEGINNING RUN NORTH 57 DEGREES 42 MINUTES 34 SECONDS EAST A DISTANCE OF 200.00 FEET TO AN IRON PIN SET ON THE WESTERLY RIGHT OF WAY LINE OF MOUNTAIN CREEK DRIVE (60 FOOT RIGHT OF WAY) THENCE RUN SOUTH 03, DEGREES 09 MINUTES 45 SECONDS EAST ALONG SAID RIGHT OF WAY LINE A DISTANCE OF 180.00 FEET TO AN EXISTING 3/4 INCH PIPE MARKING THE NORTHEAST CORNER OF THAT PROPERTY DESCRIBED IN DOCUMENT #D-1996-1395 AS RECORDED IN THE ETOWAH COUNTY PROBATE OFFICE, THENCE RUN SOUTH 57 DEGREES 42 MINUTES 40 SECONDS WEST ALONG THE NORTH LINE OF SAID PROPERTY A DISTANCE OF 200.00 FEET TO AN IRON PINE SET, THENCE RUN NORTH 03 DEGREES 09 MINUTES 45 SECONDS WEST A DISTANCE OF 180.00 FEET TO THE POINT OF BEGINNING. SAID PARCEL #2 BEING A PORTION OF THE SOUTHEAST 1/4 OF THE NORTHWEST 1/4 OF SECTION 19, TOWNSHIP 11 SOUTH, RANGE 7 EAST, BEING SUBJECT TO A DRAINAGE EASEMENT 10 FEET IN WIDTH ALONG THE SOUTH SIDE OF SAID PROPERTY, LYING AND BEING IN ETOWAH COUNTY, ALABAMA. Said legal description being controlling, however the property is more commonly known as 99 MOUNTAIN CREEK DR, GADSDEN, AL 35901. Alabama law gives some persons who have an interest in property the right to redeem the property under certain circumstances. Programs may also exist that help persons avoid or delay the foreclosure process. An attorney should be consulted to help you understand these rights and programs as a part of the foreclosure process. This property will be sold on an “as is, where is” basis, subject to any easements, encumbrances, and exceptions reflected in the mortgage and those contained in the records of the Office of the Judge of Probate in the county where the above-described property is situated. This property will be sold subject to the right of redemption of all parties entitled thereto and subject to any outstanding ad valorem taxes (including taxes which are a lien, whether or not now due and payable). This sale is made for the purpose of paying the indebtedness secured by said mortgage, as well as the expenses of foreclosure. The Mortgagee/Transferee reserves the right to bid for and purchase the real estate and to credit its purchase price against the expenses of sale and the indebtedness secured by the real estate. This sale is subject to postponement or cancellation. PennyMac Loan Services, LLC, Mortgagee/Transferee THE BELOW LAW FIRM MAY BE HELD TO BE ACTING AS A DEBT COLLECTOR, UNDER FEDERAL LAW. IF SO, ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. Rubin Lublin, LLC, Attorney for Mortgagee/Transferee 3145 Avalon Ridge Place, Suite 100, Peachtree Corners, GA 30071 Telephone Number: (877) 813-0992 Case No. PNY-24-01404-6 Ad Run Dates: 03/11/2026, 03/18/2026, 03/25/2026 rlselaw.com/property-listing