NOTICE OF FORECLOSURE SALE FILE NUMBER: 26SP000084-220 Posted By: Date Posted:  Under and by virtue of the power of sale contained in a Deed of Trust executed by TERRI E. CARMICHEL dated September 2, 2022 in the amount of $132,000.00 and recorded in Book 1882, Page 162 of the Cleveland County Public Registry by ANTHONY MASELLI OR GENEVIEVE JOHNSON, EITHER OF WHOM MAY ACT, Substitute Trustee, default having been made in the terms of agreement set forth by the loan agreement secured by the said Deed of Trust and the undersigned, ANTHONY MASELLI OR GENEVIEVE JOHNSON, EITHER OF WHOM MAY ACT, having been substituted as Successor Trustee in said Deed of Trust by an instrument duly recorded in the Official Records of Cleveland County, North Carolina, in Book 1968, Page 1902, 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 Cleveland County, North Carolina, or the customary location designated for foreclosure sales, on July 15, 2026 at 1:00 PM, and will sell to the highest bidder for cash the following real estate situated in the County of Cleveland, North Carolina, and being more particularly described as follows: PARCEL IDENTIFICATION NUMBER(S): 31516 AND 31517 ADDRESS: 4732 AND 4730 ELLENBORO RD MOORESBORO, NC 28114 PRESENT RECORD OWNER(S): TERRI E. CARMICHEL THE LAND DESCRIBED HEREIN IS SITUATED IN THE STATE OF NORTH CAROLINA, COUNTY OF CLEVELAND, AND IS DESCRIBED IN DEED BOOK 1882, PAGE 162, AS FOLLOWS: ALL THAT CERTAIN LOT OR PARCEL OF LAND SITUATED IN THE CITY OF, TOWNSHIP CLEVELAND COUNTY, NORTH CAROLINA AND MORE PARTICULARLY, TRACT ONE (PARCEL #31516): LYING ON THE WESTERN EDGE OF THE TOWN OF MOORESBORO, AND BEING A PART OF A TRACT CONVEYED TO J. V. VANDYKE, ET AL, AS SHOWN IN BOOK 5-0, AT PAGE 16 THE OFFICE OF THE REGISTER OF DEEDS FOR CLEVELAND COUNTY, NC, AND DESCRIBED BY METES AND BOUNDS AS FOLLOWS BEGINNING AT AN IRON PIN ON THE EAST SIDE OF THE MOORESBORO-NEW HOUSE ROAD, AND IN C.P. LOGAN'S NUDE, OLD CORNER AND RUNS THENCE WITH LOGAN'S LINE, S 86-30 E50 FEET TO AN RAN PIN; THENCE A NEW LINE S 11-42 W 201.5 FEET TO A POINT ON U.S.HIGHWAY NO. 74 AND IN THE OLD LINE; THENCE WITH THE OLD LINE N 84-00 W 50 FEET TO A STAKE IN THE NEW HOUSE ROAD, OLD CORNER; THENCE WITH THE ROAD, N 11-42 E199.4 FEET TO THE BEGINNING, CONTAINING 10,000.00 SQUARE FEET, MORE OR LESS. TRACT TWO (PARCEL #31517) BEING LOCATED ON THE NORTH SIDE OF HIGHWAY #74A AND BEING A STRIP BOUNDED ON THE EAST BY THE 0.346 ACRE TRACT CONVEYANCE TO MORRISON BY DEED RECORDED BOOK 1497, PAGE 1528 AND BEING DESCRIBED BY METES AND BOUNDS AS FOLLOWS: \> BEGINNING AT A REBAR IN THE NORTH EDGE OF THE RIGHT OF WAY FOR HIGHWAY #74A, SAID BEGINNING POINT BEING LOCATED NORTH 46-39-32 WEST 1,276.64 FEET FROM NCGS MONUMENT MOORE"; THENCE WITH THE WEST LINE OF THE .346 ACRE LOT, NORTH 07-28-04 EAST 178.88 FEET TO AN IRON; THENCE WITH THE LONESTAR TIMBER LINE DESCRIBED IN BOOK 1438, PAGE 1973, NORTH 82-51-4 WEST 26.18 FEET TO A REBAR; THENCE SOUTH 07-28-04 WEST 178.88 FEET, MORE OR LESS TO A PIPE IN NORTH EDGE OF THE RIGHT OF WAY FOR US HIGHWAY #74A; THENCE WITH THE NORTH EDGE OF SAID RIGHT OF WAY, SOUTH 89-49-03 EAST 26.74 FEET TO THE PLACE OF BEGINNING. Trustee may, in the Trustee’s sole discretion, delay the sale for up to one hour 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. THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. THE PURPOSE OF THIS COMMUNICATION IS TO COLLECT A DEBT AND ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE, except as stated below in the instance of bankruptcy protection. IF YOU ARE UNDER THE PROTECTION OF THE BANKRUPTCY COURT OR HAVE BEEN DISCHARGED AS A RESULT OF A BANK-RUPTCY PROCEEDING, THIS NOTICE IS GIVEN TO YOU PURSUANT TO STATUTORY REQUIREMENT AND FOR INFORMATIONAL PURPOSES AND IS NOT INTENDED AS AN ATTEMPT TO COLLECT A DEBT OR AS AN ACT TO COLLECT, ASSESS, OR RECOVER ALL OR ANY PORTION OF THE DEBT FROM YOU PERSONALLY. Sarah A. Waldron or Terrass Scott Misher, Esq ROBERTSON, ANSCHUTZ, SCHNEID, CRANE & PARTNERS, PLLC Attorneys for the Substitute Trustee 13010 Morris Rd., Suite 450 Alpharetta, GA 30004 Telephone: (470) 321-7112 6/30,7/7/2026