IN THE CIRCUIT COURT OF THE 14TH JUDICIAL CIRCUIT, IN AND FOR BAY COUNTY, FLORIDA CIVIL DIVISION: CASE NO.:25001084CA U.S. BANK NATIONAL ASSOCIATION, Plaintiff, vs. UNKNOWN HEIRS, BENEFICIARIES, DEVISEES, ASSIGNEES, LIENORS, CREDITORS, TRUSTEES AND ALL OTHERS WHO MAY CLAIM AN INTEREST IN THE ESTATE OF DELBERT HARKRIDER A/K/A DELBERT RAY HARKRIDER, et al., Defendants.  NOTICE OF ACTION TO: UNKNOWN HEIRS, BENEFICIARIES, DEVISEES, ASSIGNEES, LIENORS, CREDITORS, TRUSTEES AND ALL OTHERS WHO MAY CLAIM AN INTEREST IN THE ESTATE OF DELBERT HARKRIDER A/K/A DELBERT RAY HARKRIDER 108 PELICAN WAY, PANAMA CITY BEACH, FL 32408 YOU ARE NOTIFIED that an action for Foreclosure of Mortgage on the following described property: LOT 38, NORTH LAGOON HEIGHTS, AN UNRECORDED SUBDIVISION OF A PORTION OF THE SOUTH HALF OF THE SOUTHEAST QUARTER OF SECTION 5, TOWNSHIP 4 SOUTH, RANGE 15 WEST, BAY COUNTY, FLORIDA, BEING MORE PARTICULARLY DESCRIBED AS FOLLOWS: COMMENCING AT THE SOUTHEAST CORNER OF SAID SECTION 5, RUN NORTH 0°13'49" WEST FOR 242.00 FEET; THENCE SOUTH 89º40'34" WEST FOR 1638.00 FEET TO THE POINT OF BEGINNING; THENCE CONTINUE SOUTH 89º40'34" WEST FOR 105.00 FEET TO THE EAST RIGHT-OF-WAY LINE OF A 30.00 FOOT STREET; THENCE SOUTH 0°13'49" EAST ALONG SAID RIGHT-OF-WAY LINE FOR 78.97 FEET TO THE POINT OF CURVATURE OF A CURVE CONCAVE TO THE EAST AND HAVING A 21.00 FOOT RADIUS; THENCE SOUTHEASTERLY ALONG SAID CURVE FOR AN ARC DISTANCE OF 33.02 FEET TO A POINT OF TANGENCY, SAID ARC HAVING A CHORD OF 29.72 FEET BEARING SOUTH 45°16'38" EAST; THENCE NORTH 89º40'34" EAST FOR 83.97 FEET; THENCE LEAVING SAID RIGHT-OF-WAY LINE NORTH 0°13'49" WEST FOR 100.00 FEET TO THE POINT OF BEGINNING. has been filed against you and you are required to serve a copy of your written defenses, if any, to it, on De Cubas & Lewis, P.A., Attorney for Plaintiff, whose address is PO BOX 5026, FORT LAUDERDALE, FL 33310 on or before a date at least thirty (30) days after the first publication of this Notice in the (Please publish in PANAMA CITY NEWS HERALD) 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. 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) 747-5338 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 ADARequest@jud14.flcourts.org. WITNESS my hand and the seal of this Court this 9thday of December, 2025. BILL KINSAUL As Clerk of the Court By /s/ As Deputy Clerk Dec. 14, 21, 2025; #11849648