NOTICE OF SALE UNDER POWER STATE OF GEORGIA EFFINGHAM COUNTY WHEREAS, Joshua Marcus Gracia, as borrower(s), executed a SECURITY DEED to Mortgage Electronic Registration Systems, Inc. as grantee, as nominee for Primelending, a Plainscapital Company , Lender which was dated 1/7/2022, and recorded on 1/10/2022, in Instrument No.: D2022000269, Deed Book 2756, Page 358, securing the payment of a Note in the amount of $386,900.00 in Effingham County, Georgia Register of Deeds. NOW, THEREFORE, notice is hereby given that the entire indebtedness has been declared due and payable as provided in said Security Deed by the Holder, and by virtue of the power of sale and authority vested in it, will on 12/2/2025 sell at public outcry to the highest bidder for cash Before the Courthouse door of the Effingham County Magistrate Crt, 700 N Pine St # 250, Springfield, Georgia 31329 of Effingham, the following described property situated in Effingham County, Georgia, to wit: ALL THAT CERTAIN LOT, TRACT OR PARCEL OF LAND SITUATE, LYING AND BEING IN EFFINGHAM COUNTY, GEORGIA KNOWN AS LOT 514, PHASE 1, LOST PLANTATION SUBDIVISION, UPON A MAP MADE BY KERN-COLEMAN COMPANY, CONSULTING ENGINEERS RECORDED IN PLAT CABINET C172, SLIDE C-1, IN THE OFFICE OF THE CLERK OF SUPERIOR COURT OF EFFINGHAM COUNTY, GEORGIA. SAID LOT WAS CONVEYED TO KELLY J. CADDY AND TIFFANY R. CADDY BY WARRANTY DEED DATED AUGUST 22, 2012, RECORDED IN DEED BOOK 2123, PAGE 40, IN THE AFORESAID CLERK'S OFFICE. SAID MAP AND DEED ARE INCORPORATED HEREIN BY REFERENCE. Tax Parcel ID: R2470-514-000 Being real property commonly known as 317 SAINT ANDREWS RD RINCON, GA 31326 The debt remaining in default, this sale will be made for the purpose of paying the debt and all expenses of this sale including attorney's fees (notice of intent to collect attorney's fees having been given). Said sale will be made subject to the following items which may affect the title to said property: All restrictive covenants, easements and rights-of-way appearing of record, if any; all zoning ordinances; matters which would be disclosed by an accurate survey or by an inspection of the property; all outstanding or unpaid bills and assessments for street improvements, curbing, garbage, water, sewage and public utilities which may be liens upon said property; and any outstanding taxes, assessments and other liens superior to the security deed being foreclosed hereby. To the best knowledge and belief of the undersigned, the above-described property is in the possession of the borrower and/or other persons with the consent and acquiescence of the borrower. Except to the extent that the Holder may bind and obligate Mortgagors to warrant title to the Property under the terms of the Security Deed, conveyance of the Property shall be made without any representations or warranties whatsoever, express or implied. All sales are "as is", "where is'. The entire purchase price is due and payable at the conclusion of the auction in the form of certified funds. Insufficient funds will not be accepted. Amounts received in excess of the winning bid will be refunded to the successful purchaser. This property is being sold with express reservation that the sale is subject to confirmation by lender or Substitute Trustee. Pursuant to O.C.G.A. SS 44-14-162.2, the name, address and telephone number of the person or entity who shall have full authority to negotiate, amend, or modify all terms of the above-described mortgage is as follows: Carrington Mortgage Services, LLC, 1600 South Douglass Road, Suite 200-A Anaheim, CA 92806, Telephone No.: 800-561-4567 The foregoing notwithstanding, nothing in O.C.G.A. SS 44-14-162.2 shall be construed to require Carrington Mortgage Services, LLC to negotiate, amend, or modify the terms of the Security Deed described herein. Carrington Mortgage Services, LLC as Attorney in Fact for Joshua Marcus Gracia Attorney Contact: Miller, George & Suggs, PLLC 3000 Langford Road, Building 100 Peachtree Corners, GA 30071 Phone: 404-793-1447 Fax: 404-738-1558 TS # 25-36540 THIS COMMUNICATION IS FROM A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. 22532 11/26/25 RL