IN THE CIRCUIT COURT OF THE 14TH JUDICIAL CIRCUIT, IN AND FOR BAY COUNTY, FLORIDA CIVIL DIVISION: CASE NO.: 25001147CA SENECA MORTGAGE SERVICING LLC, Plaintiff, vs. MARSHA LESSEY RIBEIRO; AUDAX RIBEIRO; GULF HIGHLANDS BEACH RESORT HOMEOWNERS' ASSOCIATION, INC.; UNKNOWN TENANT #1 AND UNKNOWN TENANT #2, Defendants. NOTICE OF FORECLOSURE SALE (Please publish in THE NEWS HERALD) NOTICE IS HEREBY GIVEN pursuant to Final Judgment of Mortgage Foreclosure date the 12th day of June 2026, and entered in Case No. 25001147CA, of the Circuit Court of the 14TH Judicial Circuit in and for Bay County, Florida, wherein SENECA MORTGAGE SERVICING LLC, is the Plaintiff and MARSHA LESSEY RIBEIRO; AUDAX RIBEIRO; GULF HIGHLANDS BEACH RESORT HOMEOWNERS' ASSOCIATION, INC.; UNKNOWN TENANT #1 AND UNKNOWN TENANT #2, are defendants. Bill Kinsaul as the Clerk of this Court shall sell to the highest and best bidder for cash electronically at www.bay.realforeclose.com, the Clerk’s website for on-line auctions at, 11:00 AM CST on the 30Th day of July 2026, the following described property as set forth in said Final Judgment, to wit: LOT 26, BLOCK "E", GULF HIGHLANDS BEACH RESORT PHASE I, AN UNRECORDED SUBDIVISION OF A PORTION OF FRACTIONAL SECTION 35, TOWNSHIP 3 SOUTH, RANGE 16 WEST, BAY COUNTY, FLORIDA, BEING MORE PARTICULARLY DESCRIBED AS FOLLOWS: COMMENCE AT A CONCRETE MONUMENT MARKING THE NORTHWEST CORNER OF THE EAST HALF OF THE SOUTHEAST QUARTER OF SECTION 35, TOWNSHIP 3 SOUTH, RANGE 16 WEST AND THENCE RUN NORTH 00 DEGREES 00 MINUTES 35 SECONDS WEST ALONG THE WEST BOUNDARY LINE OF THE EAST HALF OF THE SOUTHEAST QUARTER OF SAID SECTION 35 FOR 470.86 FEET; THENCE NORTH 89 DEGREES 59 MINUTES 25 SECONDS EAST FOR 112.00 FEET; THENCE NORTH 89 DEGREES 27 MINUTES 45 SECONDS EAST ALONG THE CENTERLINE OF CINDY LANE FOR 477.06 FEET: THENCE SOUTH 00 DEGREES 00 MINUTES 35 SECONDS EAST ALONG THE CENTERLINE OF GULF HIGHLANDS BEACH BOULEVARD FOR 42.99 FEET: THENCE NORTH 89 DEGREES 59 MINUTES 25 SECONDS EAST FOR 15.00 FEET; THENCE SOUTH 00 DEGREES 00 MINUTES 35 SECONDS EAST ALONG THE EASTERLY RIGHT OF WAY LINE OF GULF HIGHLAND BEACH BOULEVARD FOR 228.00 FEET FOR THE POINT OF BEGINNING. FROM SAID POINT OF BEGINNING CONTINUE SOUTH 00 DEGREES 00 MINUTES 35 SECONDS EAST ALONG THE EASTERLY RIGHT OF WAY LINE FOR 18.00 FEET; THENCE NORTH 89 DEGREES 59 MINUTES 25 SECONDS EAST FOR 82.00 FEET; THENCE NORTH 00 DEGREES 00 MINUTES 35 SECONDS WEST FOR 18.00 FEET; THENCE SOUTH 89 DEGREES 59 MINUTES 25 SECONDS WEST FOR 82.00 FEET TO THE POINT OF BEGINNING.  Property Address 171 GULF HIGHLANDS BLVD PANAMA CITY BEACH, FL 32407 ANY PERSON CLAIMING AN INTEREST IN THE SURPLUS FROM THE SALE, IF ANY, OTHER THAN THE PROPERTY OWNER AS OF THE DATE OF THE LIS PENDENS MUST FILE A CLAIM WITH THE CLERK BEFORE THE CLERK REPORTS THE SURPLUS AS UNCLAIMED. If you are a person with a disability who needs any accommodation in order to participate in this proceeding, you are entitled, at no cost to you, to the provision of certain assistance. Please contact the ADA Coordinator by mail at P. O. Box 1089, Panama City, FL 32402 or by phone at (850) 767-3550 at least seven (7) days before your scheduled court appearance, or immediately upon receiving this notification if the time before the scheduled appearance is less than seven (7) days. If you are hearing impaired, please call 711 or email ADARequestjud14.flcourts.org. Dated this 1st day of July 2026. BILL KINSAUL Clerk of The Circuit Court By: Abby Johnson Deputy Clerk Copies sent to: DELUCA LAW GROUP, PLLC 2101 NE 26TH STREET FORT LAUDERDALE, FL 33305 PHONE: (954) 368-1311 lFAX: (954) 200-8649 DESIGNATED PRIMARY E-MAIL FOR SERVICE PURSUANT TO FLA. R. JUD. ADMIN 2.516 service@delucalawgroup.com #12461836; 7/8, 7/15/2026