Samuel I. White, P.C.

448 VIKING DRIVE, SUITE 350

VIRIGINA BEACH, VA 23452

SUBSTITUTE TRUSTEES' SALE OF

VALUABLE LEASEHOLD PROPERTY

KNOWN AS

712 Cator Avenue
Baltimore, MD 21218

Under and by virtue of the power of sale contained in a certain Deed of Trust to SUSAN ELEFF, Trustee(s), dated July 19, 2022, and recorded among the Land Records of BALTIMORE CITY, MARYLAND in Liber 25079, folio 15, the holder of the indebtedness secured by this Deed of Trust having appointed the undersigned Substitute Trustees, by instrument duly recorded among the aforesaid Land Records, default having occurred under the terms thereof, and at the request of the party secured thereby, the undersigned Substitute Trustee will offer for sale at public auction at THE BALTIMORE CITY COURTHOUSE LOCATED AT 100 N CALVERT ST, (COURTHOUSE WEST), BALTIMORE, MD 21202 ON,

NOVEMBER 12, 2024 at 10:15 AM

ALL THAT LEASEHOLD LOT OF GROUND and improvements thereon situated in BALTIMORE CITY, MD and described as follows:

ALL THAT LOT OF GROUND SITUATE IN CITY OF BALTIMORE, STATE OF MARYLAND, AND DESCRIBED AS FOLLOWS, THAT IS TO SAY: BEGINNING FOR THE SAME ON THE NORTHERNMOST SIDE OF CATOR AVENUE DISTANT 161 FEET 9 INCHES EASTERLY FROM THE CORNER FORMED BY THE INTERSECTION OF CATOR AVENUE ON THE EASTERN MOST SIDE OF MAPLEWOOD AVENUE RUNNING EASTERLY BINDING ON SAID SIDE OF EASTERNMOST SIDE OF MAPLEWOOD AVENUE THENCE RUNNING EASTERLY BEGINNING ON SAID SIDE OF CATOR AVENUE 86 FEET THENCE NORTHERLY AT RIGHT ANGLES WITH CATOR AVENUE 100 FEET THENCE WESTERLY PARALLEL WITH CATOR AVENUE 66 FEET TO INTERSECT A LINE DRAWN NORTHERLY FROM THE PLACE OF BEGINNING AT RIGHT ANGLES WITH CATOR AVENUE THENCE SOUTHERLY REVERSING: SAID LINE SO DRAWN AND BINDING THEREON 100 FEET TO INTERSECT TO THE PLACE OF BEGINNING

THE PROPERTY IS SUBJECT TO AN ANNUAL GROUND RENT OF $90.00 PAYABLE ON THE 3rd DAYS OF April AND October OF EACH AND EVERY YEAR.

The property will be sold in an "AS IS WHERE IS" condition without either express or implied warranty or representation, including but not limited to the description, fitness for a particular purpose or use, structural integrity, physical condition, construction, extent of construction, workmanship, materials, liability, zoning, subdivision, environmental condition, merchantability, compliance with building or housing codes or other laws, ordinances or regulations, or other similar matters, and subject to easements, agreements and restrictions of record which affect the same, if any.  The property will be sold subject to all conditions, liens, restrictions and agreements of record affecting same including any condominium and of HOA assessments pursuant to Md Real Property Article 11-110.

TERMS OF SALE: A deposit of $20,000.00 PAYABLE ONLY BY certified funds, shall be required at the time of sale. CASH WILL NOT BE AN ACCEPTABLE FORM OF DEPOSIT. The balance of the purchase price with interest at 6.25% per annum from the date of sale to the date of payment will be paid within TEN DAYS after the final ratification of the sale. There will be no abatement of interest for any reason. Adjustments on all taxes, public charges and special or regular assessments will be made as of the date of sale and thereafter assumed by purchaser. There will be no abatement of taxes, public charges and special or regular assessments for any reason. If applicable, condominium and/or homeowner association dues and assessments that may become due after the time of sale will be the responsibility of the purchaser. Title examination, conveyancing, state revenue stamps, transfer taxes, title insurance, and all other costs incident to settlement are to be paid by the purchaser. Time is of the essence for the purchaser, otherwise the deposit will be forfeited, and the property may be resold at risk and costs of the defaulting purchaser and the purchaser agrees to pay reasonable attorneys' fees for the Substitute trustees, plus all cost incurred, if the Substitute Trustee's have filed the appropriate motion with the Court to resell the property. The purchasers waives personal service of any papers filed in connection with such a motion and expressly agrees to The purchaser agrees to accept service by first class mail at the address provided by the Purchaser as identified on the Memorandum of Sale. If the sale is not ratified or if the Substitute Trustees are unable to convey marketable title in accord with these terms of sale, the purchaser's only remedy is return of the deposit.

The sale is subject to post-sale confirmation and audit of the status of the loan with the loan servicer including, but not limited to, determination of whether the borrower entered into a repayment agreement, reinstated, or paid off the loan prior to sale. In any such event, this sale shall be null and void, and the Purchaser's sol remedy, in law or equity, shall be the return of the deposit without interest.

Trustee's File No.  (88066)

Robert A. Jones, et al SUBSTITUTE TRUSTEES

Harvey West Auctioneers

300 E. Joppa Rd

Hampton Plaza-Suite 1103

Baltimore, MD 21286

www.hwestauctions.com

410-769-9797

Ad to appear in DAILY RECORD, 10/24, 10/31, 11/07

Samuel I. White, P.C.

448 VIKING DRIVE, SUITE 350

VIRIGINA BEACH, VA 23452

SUBSTITUTE TRUSTEES' SALE OF

VALUABLE LEASEHOLD PROPERTY

KNOWN AS

712 Cator Avenue
Baltimore, MD 21218

Under and by virtue of the power of sale contained in a certain Deed of Trust to SUSAN ELEFF, Trustee(s), dated July 19, 2022, and recorded among the Land Records of BALTIMORE CITY, MARYLAND in Liber 25079, folio 15, the holder of the indebtedness secured by this Deed of Trust having appointed the undersigned Substitute Trustees, by instrument duly recorded among the aforesaid Land Records, default having occurred under the terms thereof, and at the request of the party secured thereby, the undersigned Substitute Trustee will offer for sale at public auction at THE BALTIMORE CITY COURTHOUSE LOCATED AT 100 N CALVERT ST, (COURTHOUSE WEST), BALTIMORE, MD 21202 ON,

NOVEMBER 12, 2024 at 10:15 AM

ALL THAT LEASEHOLD LOT OF GROUND and improvements thereon situated in BALTIMORE CITY, MD and described as follows:

ALL THAT LOT OF GROUND SITUATE IN CITY OF BALTIMORE, STATE OF MARYLAND, AND DESCRIBED AS FOLLOWS, THAT IS TO SAY: BEGINNING FOR THE SAME ON THE NORTHERNMOST SIDE OF CATOR AVENUE DISTANT 161 FEET 9 INCHES EASTERLY FROM THE CORNER FORMED BY THE INTERSECTION OF CATOR AVENUE ON THE EASTERN MOST SIDE OF MAPLEWOOD AVENUE RUNNING EASTERLY BINDING ON SAID SIDE OF EASTERNMOST SIDE OF MAPLEWOOD AVENUE THENCE RUNNING EASTERLY BEGINNING ON SAID SIDE OF CATOR AVENUE 86 FEET THENCE NORTHERLY AT RIGHT ANGLES WITH CATOR AVENUE 100 FEET THENCE WESTERLY PARALLEL WITH CATOR AVENUE 66 FEET TO INTERSECT A LINE DRAWN NORTHERLY FROM THE PLACE OF BEGINNING AT RIGHT ANGLES WITH CATOR AVENUE THENCE SOUTHERLY REVERSING: SAID LINE SO DRAWN AND BINDING THEREON 100 FEET TO INTERSECT TO THE PLACE OF BEGINNING

THE PROPERTY IS SUBJECT TO AN ANNUAL GROUND RENT OF $90.00 PAYABLE ON THE 3rd DAYS OF April AND October OF EACH AND EVERY YEAR.

The property will be sold in an "AS IS WHERE IS" condition without either express or implied warranty or representation, including but not limited to the description, fitness for a particular purpose or use, structural integrity, physical condition, construction, extent of construction, workmanship, materials, liability, zoning, subdivision, environmental condition, merchantability, compliance with building or housing codes or other laws, ordinances or regulations, or other similar matters, and subject to easements, agreements and restrictions of record which affect the same, if any.  The property will be sold subject to all conditions, liens, restrictions and agreements of record affecting same including any condominium and of HOA assessments pursuant to Md Real Property Article 11-110.

TERMS OF SALE: A deposit of $20,000.00 PAYABLE ONLY BY certified funds, shall be required at the time of sale. CASH WILL NOT BE AN ACCEPTABLE FORM OF DEPOSIT. The balance of the purchase price with interest at 6.25% per annum from the date of sale to the date of payment will be paid within TEN DAYS after the final ratification of the sale. There will be no abatement of interest for any reason. Adjustments on all taxes, public charges and special or regular assessments will be made as of the date of sale and thereafter assumed by purchaser. There will be no abatement of taxes, public charges and special or regular assessments for any reason. If applicable, condominium and/or homeowner association dues and assessments that may become due after the time of sale will be the responsibility of the purchaser. Title examination, conveyancing, state revenue stamps, transfer taxes, title insurance, and all other costs incident to settlement are to be paid by the purchaser. Time is of the essence for the purchaser, otherwise the deposit will be forfeited, and the property may be resold at risk and costs of the defaulting purchaser and the purchaser agrees to pay reasonable attorneys' fees for the Substitute trustees, plus all cost incurred, if the Substitute Trustee's have filed the appropriate motion with the Court to resell the property. The purchasers waives personal service of any papers filed in connection with such a motion and expressly agrees to The purchaser agrees to accept service by first class mail at the address provided by the Purchaser as identified on the Memorandum of Sale. If the sale is not ratified or if the Substitute Trustees are unable to convey marketable title in accord with these terms of sale, the purchaser's only remedy is return of the deposit.

The sale is subject to post-sale confirmation and audit of the status of the loan with the loan servicer including, but not limited to, determination of whether the borrower entered into a repayment agreement, reinstated, or paid off the loan prior to sale. In any such event, this sale shall be null and void, and the Purchaser's sol remedy, in law or equity, shall be the return of the deposit without interest.

Trustee's File No.  (88066)

Robert A. Jones, et al SUBSTITUTE TRUSTEES

Harvey West Auctioneers

300 E. Joppa Rd

Hampton Plaza-Suite 1103

Baltimore, MD 21286

www.hwestauctions.com

410-769-9797

Ad to appear in DAILY RECORD, 10/24, 10/31, 11/07