12489701 NOTICE OF SUBSTITUTE TRUSTEE'S SALE   WHEREAS, default has occurred in the performance of the covenants, terms, and conditions of a Deed of Trust dated March 1, 2024, executed by Austin Cumberlander, to Randy M. Kennedy as Trustee, for Navy Federal Credit Union, and appearing of record on March 1, 2024, in the Register’s Office of Madison County, Tennessee, at Book T2244, Page 359, and Instrument Number 24001969.   WHEREAS, Navy Federal Credit Union, the party entitled to enforce said security interest; and having appointed Clear Recon LLC, the undersigned, as Substitute Trustee by instrument filed or being filed for record in the Register’s Office of Madison County, Tennessee, with all of the rights, powers, and privileges of the original Trustee named in said Deed of Trust.   NOW, THEREFORE, notice is hereby given that the entire indebtedness has been declared due and payable as provided in said Deed of Trust, and that the undersigned, Clear Recon LLC, as Substitute Trustee or his duly appointed agent, by virtue of the power, duty, and authority vested and imposed upon said Substitute Trustee will, on September 1, 2026, at 11:00 AM, local time, at the Madison County Courthouse, 100 East Main Street, located in Jackson, Tennessee, proceed to sell at public outcry to the highest and best bidder for cash or certified funds ONLY, paid at the conclusion of the sale, the following described property situated in Madison County, to wit:   The land referred to herein below is situated in the County of Madison, State of Tennessee, and is described as follows:   Loan Number 8052687053-0   Exhibit “A”   Legal Description   Map 56H - Group D - Parcel 7.00   Tract No. 1:   121 Windy Hill Road, Jackson, TN 38305   BEGINNING at a point in the north margin of Windy Hill Road, said point being the southwest corner of Lot Number Forty (40) in Section n of Autumn Valley Subdivision, a plat of which appears of record in Plat Book 5 at page 244 in the Register’s Office of Madison County, Tennessee, and runs thence North 88 degrees 33 minutes West, with the north margin of Windy Hill Road, 64.25 feet to a point; thence in a Northwesterly direction along a curve to the right, having a radius of 16 feet, a distance of 24.56 feet to a point in the east margin of Autumn Valley Drive; thence North 00 degrees 36 minutes 05 seconds West, with the east margin of Autumn Valley Drive, 122.89 feet to a point; thence South 88 degrees 50 minutes 45 seconds East 84.64 feet to the northwest comer of Lot Number Forty (40); thence South 01 degrees 27 minutes west, with the west line of Lot Number Forty (40), 138.73 feet to the point of beginning. Being Lot Number Thirty-Nine (39) in Section II of Autumn Valley Subdivision, as surveyed by Akin and Pittman, TLB1173.   Tract No. 2:   BEGINNING at a point in the Southwest corner of Lot Ten (10), Section IV, Autumn Valley Subdivision, a plat of which appears of record in Plat Book 6 at page 4 in the Register’s Office of Madison County, Tennessee, said point also being the Northeast corner of Lot Thirty Nine (39), Section H, Autumn Valley, a plat of which appears of record in Plat Book 5 at page 244; runs thence North 88 degrees 50 minutes 45 seconds West a distance of 84.64 feet with the north margin of Lot Thirty Nine (39) to a point in the east Margin of Autumn Valley Drive; runs thence North 00 degrees 37 minutes 19 seconds West a distance of 25.00 feet with Autumn Valley Drive to a point; runs thence South 88 degrees 50 minutes 45 seconds East a distance of 85 feet, more or less, to a point; runs thence South 01 degrees 27 minutes West a distance of 25 feet to the point of beginning.   Being the southern 25 feet of Lot 9, Section IV, Autumn Valley, a plat of which appears of record in Plat Book 6 at page 4 in the Register’s Office of Madison County, Tennessee.   Being the same real estate conveyed to the grantor of record in Deed Book 782 at page 1394 in the Register’s Office of Madison County, Tennessee.   Parcel ID: 056H D 00700 000   Commonly known as 121 Windy Hill Jackson, TN 38305   The street address and parcel number(s) of the above described property are believed to be correct; however, such references are not a part of the legal description of the property sold herein, and, in the event of any discrepancy, the legal description herein shall control   This sale is subject to tenant(s)/occupant(s) rights in possession.   This sale is subject to all matters shown on any applicable recorded plat; any unpaid taxes; any restrictive covenants, easements, or setback lines that may be applicable; any statutory rights of redemption of any governmental agency, state or federal; any prior liens or encumbrances as well as any priority created by a fixture filing; and to any matter that an accurate survey of the premises might disclose. In addition, the following parties may claim an interest in the above-referenced property: Austin Cumberlander.   Notice of Sale Published On-line at HTTPS://BetterChoiceNotices.com   If the United States or the State of Tennessee have any liens or claimed lien(s) on the Property, and are named herein as interested parties, timely notice has been given to the applicable governmental entity, and the sale will be subject to any applicable rights of redemption held by the entity as required by 26 U.S.C. § 7425 and/or Tennessee Code § 67-1-1433.   All right and equity of redemption, statutory and otherwise, homestead, and dower are expressly waived in said Deed of Trust, and the title is believed to be good; however, the undersigned will sell and convey only as Substitute Trustee.   The transfer shall be AS IS, WHERE IS, AND WITH ALL FAULTS, and without warranties of any kind, express or implied, as to the condition of the Property and the improvements located thereon, including merchantability or fitness for particular purpose. Trustee shall make no covenant of seisin or warranty of title, express or implied, and will sell and convey the subject real property by Substitute Trustee’s Deed only.   The right is reserved to adjourn the day of the sale to another day, time, and place certain without further publication, upon announcement at the time and place for the sale set forth above.   This property is being sold with the express reservation that the sale is subject to confirmation by the lender or trustee. This sale may be rescinded by the Substitute Trustee at any time.   THIS OFFICE IS ACTING AS A DEBT COLLECTOR AND IS ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE.   Clear Recon LLC                             Substitute Trustee                        651 East 4th Street Suite 200     Chattanooga, Tennessee 37403 Phone: (877) 319-8840                File No: 2049-585A