SUBSTITUTE TRUSTEE'S SALE

SUBSTITUTE TRUSTEE'S SALE Default having been made in the terms, conditions, provisions and payments made and provided for in a Deed of Trust dated October 18, 2010, executed by Francis Lupai and wife, Metsehet Wold Sembat, to B. Anthony Saunders, as Trustee, and recorded at Instrument No. 20101020-0083972 of record in the Register's Office for Davidson County, Tennessee, to secure the indebtedness therein described, and the entire indebtedness having been called due and payable as provided in said deed of trust, and said payment not having been made, and the lawful owner and holder of said indebtedness having appointed the undersigned, David G. Mangum, as substitute trustee by written instrument dated June 1, 2018 and recorded at Instrument No. 20180612-0056251, in the above mentioned Register's Office, notice is hereby given that I, the undersigned substitute trustee, or my designated agent, under the power and authority vested in me by said deed of trust, and having been requested to do so by the lawful owner and holder of said debt, will on Friday, March 20, 2026 at 12:00 pm (Noon) at the Front Door of the Historic Nashville Metro Courthouse, 1 Public Square, Nashville, TN 37201, sell at public outcry to the highest and best bidder for cash, free from the equity of redemption, homestead and dower, and all other exemptions and rights of every kind, all of which are expressly waived in said deed of trust, the following described tract or parcel of land situated and lying in Davidson County, Tennessee, and more particular described as follows, to-wit: Land in Davidson County, Tennessee being Lot No. 62 as shown on the map entitled Timberwood Cluster Lot Development of record as Instrument No. 20080211-0013669 through 20080211-0013671, Register's Office for Davidson County, Tennessee to which plan reference is hereby made for a more complete legal description. DEED REFERENCE: Being the same property conveyed to Francis Lupai and wife, Metsehet Wold Sembat from Nashville Area Habitat for Humanity, Inc. by Special Warranty Deed of record as Instrument No.: 20101020-0083968 said Register's Office. This description was taken from the deed of trust being foreclosed on of record at Instrument No. 20101020-0083972 said Register's Office. This property is sold SUBJECT to a first mortgage securing 3036 Barbara Lynn Way, Nashville, TN 37207 in favor of Nashville Area Habitat for Humanity, Inc. in the original principal amount of $94,774.00, of record at Instrument No. 20101020-0083969 and assigned to Tennessee Housing Development Agency of record at Instrument No. 20101020-0083970, said Register's Office; a second mortgage securing 3036 Barbara Lynn Way, Nashville, TN 37207 in favor of Nashville Area Habitat for Humanity, Inc. in the original amount of $20,000.00, of record at Instrument No. 20101020-0083971 as well as any and all existing easements, setback lines and restrictive covenants of record in the said Register's Office, including but not limited to ROW and/or Easement of record at Instrument No. 20070501-0051523 as well as Restrictive Covenants of record at Instrument No. 20080211-0013672, 20100202-0008170, 20100316-0019843, 20100910-0072176, an affidavit of record at Instrument No.: 201009290077630 and a quitclaim deed for common area of record at Instrument No.: 20140909-0082470 said Register's Office. MAP/GROUP/PARCEL: 050-11-O-A-062.00 CO PROPERTY ADDRESS: 3036 Barbara Lynn Way, Nashville, TN 37207 as shown on the tax maps of Assessor of Property for Davidson County, TN. This sale is subject to any and all unpaid real estate taxes; restrictive covenants, easements and setback lines; any and all redemption rights, including rights of redemption of any governmental agency, State or Federal; and any and all other prior liens or encumbrances against said real property. Said sale is further subject to matters that an accurate survey of the property might disclose. The property sold pursuant to this notice shall be sold "AS IS" and neither the Substitute Trustee nor the beneficiary of the Deed of Trust, nor any agent or attorney therefore, makes or shall make any warranty, whether express or implied, as to the condition, quality or quantity thereof, including, but not limited to, the enforceability of any lease affecting the property, the existence or absence of defaults under or the effect or this sale upon the rights of any party under such lease. The Substitute Trustee shall make no warranty of title, express or implied, and will sell and convey the subject real property by Substitute Trustee's Deed only. The Substitute Trustee may adjourn or postpone the aforementioned sale of real property by public announcement at such time and place of sale, and from time to time thereafter may postpone such sale by public announcement at the time and place fixed by the preceding postponement or subsequently noticed sale, and without further notice make such sale at the time fixed by the last postponement, or may, in its discretion, give a new notice of sale. If applicable, the Notice requirements of T.C.A. § 35-5-117 have been met. The failure of any high bidder to pay the purchase price and close the sale shall, at the option of the Substitute Trustee, be cause for rejection of the bid, and, if the bid is rejected, the Substitute Trustee shall have the option of making the sale to the next highest bidder who is ready, willing, and able to comply with the terms thereof. The proceeds derived from the sale of the property will be applied as provided for in said deed of trust. Terms of Sale: Cash Substitute Trustee: David G. Mangum 2303 8th Avenue South Nashville, TN 37204 (615) 255-8690 Interested Parties: Tennessee Housing Development Agency VMLS Timberwood Homeowners Association, Inc. Cornerstone Financial Credit Union Publish Newspaper: Tennessean Internet Publication: www.foreclosuretennessee.com Editions dated: 2/20/26, 2/27/26, 3/6/26 File #72907 Notice to Appear on www.foreclosurestn.com February 20, 27, March 6 2026 LOKR0461191