SUBSTITUTE TRUSTEE SALE

SUBSTITUTE TRUSTEE SALE Default having been made in the terms, conditions, provisions and payments made and provided for in a Deed of Trust dated February 26, 2021, executed by Makeitha Davis, to Mark S. Moore, as Trustee, and recorded in Book 2044, Page 3956 in the Register's Office for Rutherford County, Tennessee, to secure the indebtedness therein described to Rutherford County Area Habitat for Humanity, Inc., 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 most recently appointed the undersigned, David G. Mangum, as substitute trustee by written instrument dated February 27, 2024 and recorded in Book 2416, Page 1318, 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 Saturday, November 8, 2025 at 10:00 am at the main entrance to the Rutherford County Judicial Center, 116 W. Lytle Street, Murfreesboro, Tennessee, 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 more particular described as follows, to-wit: Land in Rutherford County, Tennessee, and being all of Lot No 4 on the Final Plat, Phase 1, Section 1, Legacy Point Subdivision, as appearing of record in Plat Book 44, Page 74, Register's Office for Rutherford County, Tennessee, to which plat reference is hereby made for a more complete and accurate description thereof. DEED REFERENCE: Being the same property conveyed to Makeitha Davis, unmarried, by deed of record in Record Book 2044, Page 3938, of the Register's Office of Rutherford County, Tennessee. This description was taken from the deed of trust being foreclosed on of record in Book 2044, Page 3956, said Register's Office. This property is sold SUBJECT to a first mortgage securing 2815 Opportunity Lane, Murfreesboro, TN 37130 in favor of Rutherford County Area Habitat for Humanity, Inc. in the original principal amount of $142,500.00, of record in Book 2044, Page 3944 said Register's Office as well as any and all existing easements, setback lines and restrictive covenants of record in the said Register's Office. MAP/GROUP/PARCEL: 090D D 004.00 PROPERTY ADDRESS: 2815 Opportunity Lane, Murfreesboro, TN 37130 as shown on the tax maps of Assessor of Property for Rutherford 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: Rutherford County Area Habitat for Humanity, Inc. The City of Murfreesboro AHA Program Heritage South Com Credit Union Tamra Smith Attorney at Law Publish Newspaper: Daily News Journal Editions dated:10/17/25, 10/24/25, 10/31/25 File #75912 October 17, 24, 31 2025 LOKR0386708