Bob Van Galoubandi, Esq.

1777 Reisterstown Road, Suite 375

Baltimore, Maryland 21208

SUBSTITUTE TRUSTEE’S SALE OF

3808 PENNINGTON AVENUE

BALTIMORE, MARYLAND 21226

Under and by virtue of the power of sale contained in that certain Purchase Money Deed of Trust, Assignment of Leases and Rents, Security Agreement, and Fixture Filing, dated November 27, 2024, executed and delivered by Golden Diamond Investment LLC  to the trustees for the benefit of the holder of the indebtedness (the “Noteholder”), recorded among the Land Records of Baltimore City, Maryland, in Liber 27739, folio 503 (the “Deed of Trust”); the Noteholder having subsequently appointed Bob Van Galoubandi, Substitute Trustee (the “Trustee”), under the Deed of Trust pursuant to a Deed of Appointment of Substitute Trustee, dated September 27, 2025, duly executed, acknowledged, and recorded among the Land Records of Baltimore City, Maryland, in Liber 28471, folio 229, default having occurred under the terms of said Purchase Money Deed of Trust, Assignment of Leases and Rents, Security Agreement, and Fixture Filing and at the request of the Noteholder, the Trustee will offer for sale to the highest qualified bidder at a public auction, at the Circuit Court for Baltimore City, at the Clarence M. Mitchell Court House, 100 North Calvert Street, Court House Door, Calvert Street entrance, Baltimore, Maryland 21202 , on:

January 19, 2026 at 10:30 AM

THAT CERTAIN real property and any improvements thereon described in the Deed of Trust and being situate in Baltimore City, Maryland (the “Property”), as follows:

Beginning for the same at the point distant 143 feet northerly from the intersection the West side of Pennington Avenue and the North side of Spruce Street at a point in a line with the center of the partition wall there situate; thence North binding on the West  Side of Pennington Avenue 16 feet to a point in a Line with the center of anther partition wall there situate; thence West parallel with Spruce Street to and through the center of said wall and continuing the same course in all 85 feet to the East side of an alley 85 feet wide running parallel with Pennington Avenue; thence South binding on the East side of said alley with the use thereof in common with others 16 feet; thence East to and through the center of the partition wall first herein mentioned and continuing the same course in all 85 feet to the place of beginning.

Tax Acct No. 25-08-7264-010

TERMS OF SALE: A deposit in the amount of ($15,000.00), payable in cash, certified check or other form acceptable to the Trustee, will be required of the purchaser at the time and place of the sale for the Property. The balance of the purchase price shall be due in cash or by certified check with interest on the unpaid balance of the purchase price at the rate of (10.00%) per annum from the date of sale to and including the date of settlement.  In the event the Noteholder, its servicer or an affiliate, or assignee of any one of them, is the purchaser, such party will not be required to make a deposit or to pay interest on the unpaid purchase money. Taxes, water rent and all other municipal charges and liens owed against the Property (if any) shall be the responsibility of the purchaser and shall be paid by the purchaser at settlement. In addition, all other charges, expenses and liens owed against the Property including, but not limited to, all condominium fees, HOA fees, and expenses and public charges and assessments owed against the Property and payable on a periodic basis, such as sanitary and/or metropolitan district charges (if any) shall also be the responsibility of the purchaser and shall be paid by the purchaser at settlement. The Trustee reserves the right to reject any and all bids, and to extend the time for settlement, if applicable.  

The Property will be sold in “AS IS” condition and without any warranties or representations, either express or implied, as to the nature, condition or description of the improvements.  In addition, the Property will also be sold subject to all existing housing, building and zoning code violations, subject to all critical area and wetland violations, subject to all environmental problems and violations which may exist on or with respect to the Property, and subject to all matters and restrictions of record affecting the same (if any).  The purchaser at the foreclosure sale shall assume the risk of loss for the above-referenced Property immediately after the sale takes place.  It shall be the purchaser’s responsibility to obtain possession of the Property following ratification of the sale by the Circuit Court for Baltimore City.  

The Property will be sold subject to all easements, conditions, ground leases, senior liens, taxes, restrictions, rights of redemption, covenants, encumbrances, agreements, and unexpired leases of record, and such state of facts that an accurate survey or physical inspection of the Property might disclose (if any) that are not otherwise extinguished by operation of law. 

The purchaser shall pay all state and local transfer taxes, recordation taxes and fees, title examination costs, attorneys’ fees, conveyance fees and all other incidental settlement costs.  The purchaser shall settle and comply with the sale terms within twenty (20) days following the final ratification of sale by the Circuit Court for Baltimore City, unless said period is extended by the Trustee for good cause shown.  Time is of the essence.  Settlement shall be held at the office of the Trustee.

In the event the purchaser fails to go to settlement as required, subject to order of court, purchaser agrees that property will be resold and entire deposit retained by the Trustee as liquidated damages for all losses occasioned by the purchaser’s default and purchaser shall have no further liability. The defaulted purchaser shall not be entitled to any surplus proceeds resulting from said resale even if such surplus results from improvements to the property by said defaulted purchaser.  

If the Trustee is unable to convey the Property as described above, the purchaser’s sole remedy at law or in equity shall be limited to the refund of the aforementioned deposit, without interest thereon.  Upon refund of the deposit to the purchaser, the sale shall be void and of no effect, and the purchaser shall have no further claim against the Trustee or the Noteholder.

The information contained herein is offered for informational purposes only.  The Auctioneer, the Noteholder and the Trustee do not make any representations or warranties with respect to the accuracy of this information.

Bob Van Galoubandi, 

Substitute Trustee

For further information, contact:

Bob Van Galoubandi, Esq.              

1777 Reisterstown Road, Suite 375

Baltimore, Maryland 21208

(410) 739-4562

Ad to appear: Daily Record -January 2, 9 & 16th

Bob Van Galoubandi, Esq.

1777 Reisterstown Road, Suite 375

Baltimore, Maryland 21208

SUBSTITUTE TRUSTEE’S SALE OF

3808 PENNINGTON AVENUE

BALTIMORE, MARYLAND 21226

Under and by virtue of the power of sale contained in that certain Purchase Money Deed of Trust, Assignment of Leases and Rents, Security Agreement, and Fixture Filing, dated November 27, 2024, executed and delivered by Golden Diamond Investment LLC  to the trustees for the benefit of the holder of the indebtedness (the “Noteholder”), recorded among the Land Records of Baltimore City, Maryland, in Liber 27739, folio 503 (the “Deed of Trust”); the Noteholder having subsequently appointed Bob Van Galoubandi, Substitute Trustee (the “Trustee”), under the Deed of Trust pursuant to a Deed of Appointment of Substitute Trustee, dated September 27, 2025, duly executed, acknowledged, and recorded among the Land Records of Baltimore City, Maryland, in Liber 28471, folio 229, default having occurred under the terms of said Purchase Money Deed of Trust, Assignment of Leases and Rents, Security Agreement, and Fixture Filing and at the request of the Noteholder, the Trustee will offer for sale to the highest qualified bidder at a public auction, at the Circuit Court for Baltimore City, at the Clarence M. Mitchell Court House, 100 North Calvert Street, Court House Door, Calvert Street entrance, Baltimore, Maryland 21202 , on:

January 19, 2026 at 10:30 AM

THAT CERTAIN real property and any improvements thereon described in the Deed of Trust and being situate in Baltimore City, Maryland (the “Property”), as follows:

Beginning for the same at the point distant 143 feet northerly from the intersection the West side of Pennington Avenue and the North side of Spruce Street at a point in a line with the center of the partition wall there situate; thence North binding on the West  Side of Pennington Avenue 16 feet to a point in a Line with the center of anther partition wall there situate; thence West parallel with Spruce Street to and through the center of said wall and continuing the same course in all 85 feet to the East side of an alley 85 feet wide running parallel with Pennington Avenue; thence South binding on the East side of said alley with the use thereof in common with others 16 feet; thence East to and through the center of the partition wall first herein mentioned and continuing the same course in all 85 feet to the place of beginning.

Tax Acct No. 25-08-7264-010

TERMS OF SALE: A deposit in the amount of ($15,000.00), payable in cash, certified check or other form acceptable to the Trustee, will be required of the purchaser at the time and place of the sale for the Property. The balance of the purchase price shall be due in cash or by certified check with interest on the unpaid balance of the purchase price at the rate of (10.00%) per annum from the date of sale to and including the date of settlement.  In the event the Noteholder, its servicer or an affiliate, or assignee of any one of them, is the purchaser, such party will not be required to make a deposit or to pay interest on the unpaid purchase money. Taxes, water rent and all other municipal charges and liens owed against the Property (if any) shall be the responsibility of the purchaser and shall be paid by the purchaser at settlement. In addition, all other charges, expenses and liens owed against the Property including, but not limited to, all condominium fees, HOA fees, and expenses and public charges and assessments owed against the Property and payable on a periodic basis, such as sanitary and/or metropolitan district charges (if any) shall also be the responsibility of the purchaser and shall be paid by the purchaser at settlement. The Trustee reserves the right to reject any and all bids, and to extend the time for settlement, if applicable.  

The Property will be sold in “AS IS” condition and without any warranties or representations, either express or implied, as to the nature, condition or description of the improvements.  In addition, the Property will also be sold subject to all existing housing, building and zoning code violations, subject to all critical area and wetland violations, subject to all environmental problems and violations which may exist on or with respect to the Property, and subject to all matters and restrictions of record affecting the same (if any).  The purchaser at the foreclosure sale shall assume the risk of loss for the above-referenced Property immediately after the sale takes place.  It shall be the purchaser’s responsibility to obtain possession of the Property following ratification of the sale by the Circuit Court for Baltimore City.  

The Property will be sold subject to all easements, conditions, ground leases, senior liens, taxes, restrictions, rights of redemption, covenants, encumbrances, agreements, and unexpired leases of record, and such state of facts that an accurate survey or physical inspection of the Property might disclose (if any) that are not otherwise extinguished by operation of law. 

The purchaser shall pay all state and local transfer taxes, recordation taxes and fees, title examination costs, attorneys’ fees, conveyance fees and all other incidental settlement costs.  The purchaser shall settle and comply with the sale terms within twenty (20) days following the final ratification of sale by the Circuit Court for Baltimore City, unless said period is extended by the Trustee for good cause shown.  Time is of the essence.  Settlement shall be held at the office of the Trustee.

In the event the purchaser fails to go to settlement as required, subject to order of court, purchaser agrees that property will be resold and entire deposit retained by the Trustee as liquidated damages for all losses occasioned by the purchaser’s default and purchaser shall have no further liability. The defaulted purchaser shall not be entitled to any surplus proceeds resulting from said resale even if such surplus results from improvements to the property by said defaulted purchaser.  

If the Trustee is unable to convey the Property as described above, the purchaser’s sole remedy at law or in equity shall be limited to the refund of the aforementioned deposit, without interest thereon.  Upon refund of the deposit to the purchaser, the sale shall be void and of no effect, and the purchaser shall have no further claim against the Trustee or the Noteholder.

The information contained herein is offered for informational purposes only.  The Auctioneer, the Noteholder and the Trustee do not make any representations or warranties with respect to the accuracy of this information.

Bob Van Galoubandi, 

Substitute Trustee

For further information, contact:

Bob Van Galoubandi, Esq.              

1777 Reisterstown Road, Suite 375

Baltimore, Maryland 21208

(410) 739-4562

Ad to appear: Daily Record -January 2, 9 & 16th