NOTICE OF FORECLOSURE SALE 25 SP 200

NOTICE OF FORECLOSURE SALE 25 SP 200 Under and by virtue of the power of sale contained in a certain Deed of Trust made by Kyra Arrington (PRESENT RECORD OWNER(S): Kyra Arrington) to Harry Marsh Law 24 Hour Title LLC, Trustee(s), dated March 14, 2022, and recorded in Book No. 1867, at Page 2424 in Cleveland County Registry, North Carolina, default having been made in the payment of the promissory note secured by the said Deed of Trust and the undersigned, Substitute Trustee Services, Inc. having been substituted as Trustee in said Deed of Trust by an instrument duly recorded in the Office of the Register of Deeds Cleveland County, North Carolina and the holder of the note evidencing said indebtedness having directed that the Deed of Trust be foreclosed, the undersigned Substitute Trustee will offer for sale at the courthouse door in Shelby, Cleveland County, North Carolina, or the customary location designated for foreclosure sales, at 10:30 AM on October 8, 2025 and will sell to the highest bidder for cash the following real estate situated in Shelby in the County of Cleveland, North Carolina, and being more particularly described as follows: Being located in the Northern Section of the City of Shelby, N.C., on the South side of North Morgan Street, and being part of Lot No. 14 and part of Lot No. 15 of the Mclntyre and Rucker Subdivision of the Hopper-Putnam Property as shown in Plat Book 7 at Page 78 of the Register of Deeds of Cleveland County, North Carolina, and being described by metes and bounds as follows: Beginning at a railroad spike set in the Southern portion of the right of way of North Morgan Street, Northwest corner of the Carolyn M. White property; thence with the White's West line, South 38-14-40 East 135 feet to an iron rod found near a fence corner; thence continuing with White's line, South 34-31-50 West 66.48 feet to an iron rod found; and South 85-14-45 West 29.94 feet to an iron rod found; thence North 43-38-25 West 37.21 feet to an iron rod found, corner of the Jacqueline J. Robinson property; thence with Robinson's East line, North 34-10 West (and passing over a bent pipe found at 123.25 feet) a total distance of 126.40 feet to a point just South of North Morgan Street, Robinson's Northeast corner; thence North 81-50 East 32 feet to a rebar set; thence North 60.55 East 56 feet to the point of beginning, containing 13,645 square feet, according to a survey by D.P. Wilson, R.L.S., dated December 18, 1996. Together with improvements located thereon; said property being located at 1114 North Morgan Street, Shelby, North Carolina. Parcel ID: 0000020216 Commonly Known As: 1114 North Morgan Street, Shelby, North Carolina 28150 Trustee may, in the Trustee's sole discretion, delay the sale for up to three hours as provided in N.C.G.S. §45-21.23. Should the property be purchased by a third party, that party must pay the excise tax, as well as the court costs of Forty-Five Cents ($0.45) per One Hundred Dollars ($100.00) required by N.C.G.S. §7A-308(a)(1). The property to be offered pursuant to this notice of sale is being offered for sale, transfer and conveyance "AS IS, WHERE IS." Neither the Trustee nor the holder of the note secured by the deed of trust/security agreement, or both, being foreclosed, nor the officers, directors, attorneys, employees, agents or authorized representative of either the Trustee or the holder of the note make any representation or warranty relating to the title or any physical, environmental, health or safety conditions existing in, on, at or relating to the property being offered for sale, and any and all responsibilities or liabilities arising out of or in any way relating to any such condition are expressly disclaimed. Also, this property is being sold subject to all taxes, special assessments, and prior liens or prior encumbrances of record and any recorded releases. Said property is also being sold subject to applicable Federal and State laws. A deposit of five percent (5%) of the purchase price, or seven hundred fifty dollars ($750.00), whichever is greater, is required and must be tendered in the form of certified funds at the time of the sale. If the trustee is unable to convey title to this property for any reason, the sole remedy of the purchaser is the return of the deposit. Reasons of such inability to convey include, but are not limited to, the filing of a bankruptcy petition prior to the confirmation of the sale and reinstatement of the loan without the knowledge of the trustee. If the validity of the sale is challenged by any party, the trustee, in its sole discretion, if it believes the challenge to have merit, may request the court to declare the sale to be void and return the deposit. The purchaser will have no further remedy. Additional Notice for Residential Property with Less than 15 rental units, including Single-Family Residential Real Property An order for possession of the property may be issued pursuant to N.C.G.S. § 45-21.29 in favor of the purchaser and against the party or parties in possession by the clerk of superior court of the county in which the property is sold. Any person who occupies the property pursuant to a rental agreement entered into or renewed on or after October 1, 2007, may after receiving the notice of foreclosure sale, terminate the rental agreement by providing written notice of termination to the landlord, to be effective on a date stated in the notice that is at least 10 days but not more than 90 days, after the sale date contained in this notice of sale, provided that the mortgagor has not cured the default at the time the tenant provides the notice of termination. Upon termination of a rental agreement, the tenant is liable for rent due under the rental agreement prorated to the effective date of the termination. SUBSTITUTE TRUSTEE SERVICES, INC. SUBSTITUTE TRUSTEE c/o Hutchens Law Firm, LLP P.O. Box 1028 Fayetteville, NC 28302 4317 Ramsey Street Fayetteville, NC 28311 Phone No: (910)864-3068 https://sales.hutchenslawfirm.com Firm Case No: 26642 - 135464 September 24, October 1 2025 LWLM0371703