Brock and Scott, PLLC

5431 Oleander Drive

Wilmington NC, 28403

SUBSTITUTE TRUSTEES' SALE OF
VALUABLE FEE SIMPLE PROPERTY
KNOWN AS
9510 Coyle Road, Unit 201
Owings Mills, MD 21117

Under and by virtue of the power of sale contained in a certain Deed of Trust to MARK H. FRIEDMAN, Trustee(s), dated December 13, 2013, and recorded among the Land Records of BALTIMORE COUNTY, MARYLAND in Liber 34591 , folio 009, 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 COUNTY COURTHOUSE LOCATED AT 401 BOSLEY AVE (MAIN ENTRANCE FACING PATRIOT PLAZA), TOWSON, MD 21204 ON,

JANUARY 21, 2026 at 11:45 AM

ALL THAT FEE SIMPLE LOT OF GROUND and improvements thereon situated in BALTIMORE COUNTY, MD and more fully described in the above-referenced Deed of Trust.

TAX/PARCEL ID#: 02-2400013234

Being known and designated as Unit 201, Phase 5 The Condominium at the Ridge.

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 $9,000.00 payable in certified check or by a cashier's check will be required from purchaser at time of sale, balance in immediately available funds upon final ratification of sale by the Circuit Court of BALTIMORE COUNTY, MARYLAND interest to be paid at the rate of 4.125 % on unpaid purchase money from date of sale to date of settlement. The secured party herein, if a bidder, shall not be required to post a deposit. Third party purchaser (excluding the secured party) will be required to complete full settlement of the purchase of the property within TEN (10) CALENDAR DAYS of the ratification of the sale by the Circuit Court otherwise the purchaser's deposit shall be forfeited and the property will be resold at the risk and expense, of the defaulting purchaser. All other public charges and private charges or assessments, including water/sewer charges, ground rent, taxes if any, to be adjusted to date of sale. Cost of all documentary stamps and transfer taxes and all other costs incident to the settlement shall be borne by the purchaser. If applicable, condominium and/or homeowner association dues and assessments will be adjusted to date of sale. If the sale is rescinded or not ratified for any reason, including post sale lender audit, or the Substitute Trustees are unable to convey insurable title or a resale is to take place for any reason, the purchaser(s) sole remedy in law or equity shall be limited to the refund of the aforementioned deposit. The purchaser waives all rights and claims against the Substitute Trustees whether known or unknown. These provisions shall survive settlement Upon refund of the deposit, this sale shall be void and of no effect, and the purchaser shall have no further claim against the Substitute Trustees. The sale is subject to post-sale review of the status of the loan and that if any agreement to cancel the sale was entered into by the lender and borrower prior to the sale then the sale is void and the purchaser's deposit shall be refunded without interest. Additional terms and conditions, if applicable, maybe announced at the time and date of sale. Purchaser is responsible for obtaining physical possession of the property and assumes risk of loss or damage to the property from the date of sale. The purchaser waives personal service of any papers filed in connection with its failure to settle within ten days of ratification and expressly agrees to accept service by first class mail at the address provided by the purchaser as identified on the Memorandum of Sale. 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. File No. (22-16567ADC)

BRENNAN FERGUSON, JOHN C. HANRAHAN, JEREMY B. WILKINS, AMANDA DRISCOLE, ROBERT OLIVERI, PAUL HEINMULLER , Substitute Trustees

Potential Bidders: For sale information, please visit

www.Auction.com or call (800) 280-2832.

Ad to appear in DAILY RECORD, 01/06, 01/13, 01/20

Brock and Scott, PLLC

5431 Oleander Drive

Wilmington NC, 28403

SUBSTITUTE TRUSTEES' SALE OF
VALUABLE FEE SIMPLE PROPERTY
KNOWN AS
9510 Coyle Road, Unit 201
Owings Mills, MD 21117

Under and by virtue of the power of sale contained in a certain Deed of Trust to MARK H. FRIEDMAN, Trustee(s), dated December 13, 2013, and recorded among the Land Records of BALTIMORE COUNTY, MARYLAND in Liber 34591 , folio 009, 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 COUNTY COURTHOUSE LOCATED AT 401 BOSLEY AVE (MAIN ENTRANCE FACING PATRIOT PLAZA), TOWSON, MD 21204 ON,

JANUARY 21, 2026 at 11:45 AM

ALL THAT FEE SIMPLE LOT OF GROUND and improvements thereon situated in BALTIMORE COUNTY, MD and more fully described in the above-referenced Deed of Trust.

TAX/PARCEL ID#: 02-2400013234

Being known and designated as Unit 201, Phase 5 The Condominium at the Ridge.

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 $9,000.00 payable in certified check or by a cashier's check will be required from purchaser at time of sale, balance in immediately available funds upon final ratification of sale by the Circuit Court of BALTIMORE COUNTY, MARYLAND interest to be paid at the rate of 4.125 % on unpaid purchase money from date of sale to date of settlement. The secured party herein, if a bidder, shall not be required to post a deposit. Third party purchaser (excluding the secured party) will be required to complete full settlement of the purchase of the property within TEN (10) CALENDAR DAYS of the ratification of the sale by the Circuit Court otherwise the purchaser's deposit shall be forfeited and the property will be resold at the risk and expense, of the defaulting purchaser. All other public charges and private charges or assessments, including water/sewer charges, ground rent, taxes if any, to be adjusted to date of sale. Cost of all documentary stamps and transfer taxes and all other costs incident to the settlement shall be borne by the purchaser. If applicable, condominium and/or homeowner association dues and assessments will be adjusted to date of sale. If the sale is rescinded or not ratified for any reason, including post sale lender audit, or the Substitute Trustees are unable to convey insurable title or a resale is to take place for any reason, the purchaser(s) sole remedy in law or equity shall be limited to the refund of the aforementioned deposit. The purchaser waives all rights and claims against the Substitute Trustees whether known or unknown. These provisions shall survive settlement Upon refund of the deposit, this sale shall be void and of no effect, and the purchaser shall have no further claim against the Substitute Trustees. The sale is subject to post-sale review of the status of the loan and that if any agreement to cancel the sale was entered into by the lender and borrower prior to the sale then the sale is void and the purchaser's deposit shall be refunded without interest. Additional terms and conditions, if applicable, maybe announced at the time and date of sale. Purchaser is responsible for obtaining physical possession of the property and assumes risk of loss or damage to the property from the date of sale. The purchaser waives personal service of any papers filed in connection with its failure to settle within ten days of ratification and expressly agrees to accept service by first class mail at the address provided by the purchaser as identified on the Memorandum of Sale. 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. File No. (22-16567ADC)

BRENNAN FERGUSON, JOHN C. HANRAHAN, JEREMY B. WILKINS, AMANDA DRISCOLE, ROBERT OLIVERI, PAUL HEINMULLER , Substitute Trustees

Potential Bidders: For sale information, please visit

www.Auction.com or call (800) 280-2832.

Ad to appear in DAILY RECORD, 01/06, 01/13, 01/20