Notice of Sale

Notice of Sale Loan No: ************-26A TS No: 25-14552 NOTICE OF TRUSTEE'S SALE PURSUANT TO THE REVISED CODE OF WASHINGTON CHAPTER 61.24 RCW Grantor: SCOT T. RUNYAN, TRUSTEE OF THE SCOT T. RUNYAN REVOCABLE LIVING TRUSTED DATED OCTOBER 19, 2021 Current Beneficiary of Deed of Trust: U.S. Bank National Association Current Mortgage Servicer for the Deed of Trust: U.S. Bank National Association Current Trustee for the Deed of Trust: MICHELLE R. GHIDOTTI, ESQ. Trustee's address is 144 Railroad Avenue, Suite 236, Edmonds, WA 98020-4100 (206) 331-3280 Trustee's agent for service is Gary Krohn, Reg. Agent, whose address is 144 Railroad Avenue, Suite 236 Edmonds, WA 98020-4100 Phone: (206) 525-1925 If there are any questions regarding this Notice, please contact (206) 331-3280 Reference Number of Deed of Trust: 202306210137 Parcel Number(s): 102702-1-004-2005 Abbr. Legal Description: NW/NE 10-27N-2E THIS NOTICE IS THE FINAL STEP BEFORE THE FORECLOSURE SALE OF YOUR HOME. You have only until 90 calendar days BEFORE the date of sale listed in this Notice of Trustee Sale to be referred to mediation. If this is an amended Notice of Trustee Sale providing a 45-day notice of the sale, mediation must be requested no later than 25 calendar days BEFORE the date of sale listed in this amended Notice of Trustee Sale. DO NOT DELAY. CONTACT A HOUSING COUNSELOR OR AN ATTORNEY LICENSED IN WASHINGTON NOW to assess your situation and refer you to mediation if you are eligible and it may help you save your home. See below for safe sources of help. SEEKING ASSISTANCE Housing counselors and legal assistance may be available at little or no cost to you. If you would like assistance in determining your rights and opportunities to keep your house, you may contact the following: The statewide foreclosure hotline for assistance and referral to housing counselors recommended by the Washington State Housing Finance Commission: Toll-free: 1-877-894-HOME (1-877-894-4663) https://www.homeownership-wa.org/ The United States Department of Housing and Urban Development: Toll-free: 1-800-569-4287 Local counseling agencies in Washington: https://answers.hud.gov/housingcounseling/s/?language=en_US The statewide civil legal aid hotline for assistance and referrals to other housing counselors and attorneys: Toll-free: 1-800-606-4819 https://nwjustice.org/home I. NOTICE IS HEREBY GIVEN that the undersigned Trustee will on 12/5/2025, at 1:00 PM at Front Entrance Kitsap County Administration Building, 619 Division Street, Port Orchard, WA 98366 sell at public auction to the highest and best bidder, payable, in the form of cash, or cashier's check or certified checks from federally or State chartered banks, at the time of sale the following described real property, situated in the County of Kitsap, State of Washington, to-wit: Parcel I: The East Half Of The Northeast Quarter Of The Northwest Quarter Of The Northeast Quarter Of Section 10, Township 27 North, Range 2 East, W.M., In Kitsap County, Washington; Parcel Ii: Together With An Easement For Ingress, Egress And Utilities Over And Across The Following Described Property: The South 60 Feet Of The Southwest One Quarter Of The Southwest One Quarter Lying East Of The County Road; And The South 60 Feet Of The West 60 Feet Of The Southeast One Quarter Of The Southwest One Quarter Of The Southwest One Quater, All In Section 3, Township 27 North, Range 2 East, W.M. In Kitsap County, Washington; And The North 60 Feet Of The Northeast One Quarter Of The Northwest One Quarter, And The North 60 Feet Of The West 2,052 Feet Of The Northeast Quarter, In Section 10, Township 27 North, Range 2 East, W.M., In Kitsap County, Washington; Also Together With An Easement For Ingress, Egress And Utilities As Described In Recording No. 8203080113 And Recording No. 8203300085. Commonly known as: 9115 NE COUNTRY WOODS LANE KINGSTON, WASHINGTON 98346 which is subject to that certain Deed of Trust dated 6/21/2023, recorded 6/21/2023, under Auditor's File No. 202306210137, in Book , Page records of Kitsap County, Washington, from SCOT T. RUNYAN, TRUSTEE OF THE SCOT T. RUNYAN REVOCABLE LIVING TRUSTED DATED OCTOBER 19, 2021, as Grantor(s), to FIDELITY NATIONAL TITLE COMPANY OF WASHINGTON, INC., as Trustee, to secure an obligation in favor of U.S. BANK NATIONAL ASSOCIATION, as Beneficiary, the beneficial interest in which was assigned to U.S. Bank National Association. II. No action commenced by the Beneficiary of the Deed of Trust is now pending to seek satisfaction of the obligation in any Court by reason of the Borrower's or Grantor's default on the obligation secured by the Deed of Trust. III. The default(s) for which this foreclosure is made is/are as follows: Failure to pay when due the following amounts which are now in arrears: PROMISSORY NOTE INFORMATION Note Dated: 6/21/2023 Note Amount: $427,500.00 Interest Paid To: 10/2/2024 Next Due Date: 11/2/2024 Maturity Date: 4/11/2025 BENEFICIARY'S ADVANCES, COSTS AND EXPENSES DESCRIPTION ADVANCE AMOUNT 7/24/2025 7/24/2025 Unpaid Principal Interest Due $392,116.33 $29,085.90 7/24/2025 Late Charges $1,067.52 7/24/2025 Legal Expense Paid to Date $3,052.00 TOTAL DUE AS OF: 7/24/2025 $425,321.75 IV. The sum owing on the obligation secured by the Deed of Trust is: The principal sum of $392,116.33, together with interest as provided in the Note or other instrument secured from 10/2/2024, and such other costs and fees as are due under the Note or other instrument secured and as are provided by statute. V. The above described real property will be sold to satisfy the expense of sale and the obligation secured by the Deed of Trust as provided by statute. The sale will be made without warranty, expressed or implied, regarding title, possession or encumbrances on 12/5/2025. The defaults referred to in Paragraph III must be cured by 11/24/2025, (11 days before the sale date) to cause a discontinuance of the sale. The sale will be discontinued and terminated if at any time before 11/24/2025 (11 days before the sale) the default as set forth in Paragraph III, together with any subsequent payments, late charges, advances, costs and fees thereafter due, is/are cured and the Trustee's fees and costs are paid. Payment must be in cash or with cashiers or certified checks from a State or federally chartered bank. The sale may be terminated any time after the 11/24/2025 (11 days before the sale date) and before the sale, by the Borrower, or Grantor or any Guarantors or the holder of any recorded junior lien or encumbrance by paying the entire principal and interest secured by the Deed of Trust, plus costs, fees and advances, if any, made pursuant to the terms of the obligation and/or Deed of Trust and curing all other defaults. VI. A written Notice of Default was transmitted by the Beneficiary or Trustee to the Borrower(s) and Grantor(s) at the following address(es): NAME ADDRESS KATE AND SCOTT LLC 9115 NE COUNTRY WOOD LN KINGSTON, WA 98346 OCCUPANT 9115 NE COUNTRY WOODS LANE KINGSTON, WA 98346 SCOT T. RUNYAN 30230 21ST AVE S FEDERAL WAY, WA 98003 SCOT T. RUNYAN 9115 NE COUNTRY WOODS LANE KINGSTON, WA 98346 SCOT T. RUNYAN 9115 NORTHEAST COUNTRY WOODS LANE KINGSTON, WA 98346-9679 SCOT T. RUNYAN REVOCABLE LIVING TRUST 9115 NE COUNTRY WOOD LANE KINGSTON, WA 98346 SCOT T. RUNYAN REVOCABLE TRUST 30230 21ST AVE S FEDERAL WAY, WA 98003 SCOT T. RUNYAN REVOCABLE TRUST 9115 NE COUNTRY WOOD LANE KINGSTON, WA 98346 UNKNOWN SPOUSE AND/OR DOMESTIC PARTNER OF SCOT T. RUNYAN 9115 NORTHEAST COUNTRY WOODS LANE KINGSTON, WA 98346-9679 by both first class and certified mail on 6/23/2025, proof of which is in the possession of the Trustee; and on 6/23/2025 the Borrower and Grantor were personally served, if applicable, with said written Notice of Default or the written Notice of Default was posted in a conspicuous place on the real property described in Paragraph I above, and the Trustee has possession of proof of such service or posting. VII. The Trustee whose name and address are set forth below will provide in writing to anyone requesting it, a statement of all costs and fees due at any time prior to the sale. VIII. The effect of the sale will be to deprive the Grantor and all those who hold by, through or under the Grantor of all their interest in the above described property. IX. Anyone having any objections to this sale on any grounds whatsoever will be afforded an opportunity to be heard as to those objections if they bring a lawsuit to restrain the sale pursuant to RCW 61.24.130. Failure to bring such a lawsuit may result in a waiver of any proper grounds for invalidating the Trustee's sale. X. NOTICE TO OCCUPANTS OR TENANTS – The purchaser at the trustee's sale is entitled to possession of the property on the 20th day following the sale, as against the grantor under the Deed of Trust (the owner) and anyone having an interest junior to the Deed of Trust, including occupants who are not tenants. After the 20th day following the sale the purchaser has the right to evict occupants who are not tenants by summary proceedings under chapter 59.12 RCW. For tenant-occupied property, the purchaser shall provide a tenant with written notice in accordance with RCW 61.24.060. If you are a servicemember or a dependent of a servicemember, you may be entitled to certain protections under the federal Servicemembers Civil Relief Act and any comparable state laws regarding the risk of foreclosure. If you believe you may be entitled to these protections, please contact our office immediately. Additional disclaimers provided by the Trustee: If you have previously been discharged through bankruptcy, you may have been released of personal liability for this loan in which case this letter is intended to exercise the noteholders rights against the real property only. Service of Process should be sent to: Michelle R. Ghidotti, Esq., c/o Gary Krohn, Reg. Agent, 144 Railroad Avenue, Suite 236, Edmonds, WA 98020-4100 and faxed to (949) 427-2732. If there are any questions regarding this Notice, please contact (206) 331-3280. SALE INFORMATION CAN BE OBTAINED ONLINE AT www.auction.com FOR AUTOMATED SALES INFORMATION PLEASE CALL: (800) 793-6107 THIS IS AN ATTEMPT TO COLLECT A DEBT AND ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. DATED: 07/28/2025 Michelle R. Ghidotti, Esq. 144 Railroad Avenue, Suite 236 Edmonds, WA 98020-4100 Phone: (206) 331-3280 Fax: (949) 427-2732 Michelle R. Ghidotti, Esq., as Trustee PPP#25-004115 November 5, 26 2025 LBKS0395953