IN THE CIRCUIT COURT OF THE FOURTEENTH JUDICIAL CIRCUIT JUDICIAL CIRCUIT, IN AND FOR BAY COUNTY, FLORIDA CIVIL DIVISION CASE NO.: 25000318CA MORTGAGE RESEARCH CENTER, LLC D/B/A VETERANS UNITED HOME LOANS, A MISSOURI LIMITED LIABILITY COMPANY PLAINTIFF, VS. DERRICK SHELTON A/K/A DERRICK ANTHONY SHELTON, ET AL., DEFENDANT(S). NOTICE OF ACTION TO: Derrick Shelton A/K/A Derrick Anthony Shelton Last Known Address: 2610 Laurel Dr, Panama City, FL 32404 Current Residence: UNKNOWN TO: Cassandra Elisabeth Graham Last Known Address: 2610 Laurel Dr, Panama City, FL 32404 Current Residence: UNKNOWN TO: Cassandra Elisabeth Graham Last Known Address: 827 Magnolia Ave, Panama City, FL 32401 Current Residence: UNKNOWN TO: Cassandra Elisabeth Graham Last Known Address: 11801 Washington St, Apt A108, Northglenn, CO 80233 Current Residence: UNKNOWN TO: Cassandra Elisabeth Graham Last Known Address: 1218 Cornell Dr, Panama City, FL 32405 Current Residence: UNKNOWN TO: Unknown Tenant in possession of the subject property Last Known Address: 2610 Laurel Dr, Panama City, FL 32404 Current Residence: UNKNOWN TO: Avondale Estates Association Inc Last Known Address: C/o Tabitha Nelson, Registered Agent, 2613 Avondale Ct, Panama City, FL 32404 Current Residence: UNKNOWN YOU ARE NOTIFIED that an action for Foreclosure of Mortgage on the following described property: The North 1/2 of Lot 16, Avondale Estates, according to the Plat thereof, as recorded in Plat Book 20, Page 47, of the Public Records of Bay County, Florida. has been filed against you and you are required to serve a copy of your written defenses, if any, to it, on MILLER, GEORGE & SUGGS, PLLC, Attorney for Plaintiff, whose address is 210 N. University Drive, Suite 900, Coral Springs, FL 33071, on or before November 7, 2025 within or before a date at least thirty (30) days after the first publication of this Notice in the The News Herald, 501 W. 11th Street, Panama City, FL 32401 and file the original with the Clerk of this Court either before service on Plaintiff's attorney or immediately thereafter; otherwise a default will be entered against you for the relief demanded in the complaint Persons with a disability needing special accommodation in order to access court facilities or participate in a court proceeding at any courthouse or court program, should within two (2) days of receipt of notice, contact Court Administration to request such an accommodation. Please contact the following: Court Administration, P.O. Box 1089, Panama City, Florida 32402; Phone: 850-747-5327; Hearing & Voice Impaired: 1-800-955-8771; Email: ADARequest@jud14.flcourts.org. WITNESS my hand and the seal of this Court this 26th day of September, 2025. BILL KINSAUL As Clerk of Court By: /s/ Christian Caswell As Deputy Clerk Publish: The News Herald, 501 W. 11th Street, Panama City, FL 32401 Pub: Oct. 8 & 15, 2025; #11735587