This is an attempt to collect a debt and any information obtained will be used for that purpose. NOTICE OF SALE UNDER POWER GEORGIA, EFFINGHAM COUNTY Under and by virtue of Power of Sale contained in Security Deed from Nelson Chanes and Kelly Lynn Chanes AKA Kelly L. Baker Chanes, to 21st Mortgage Corporation, dated July 29, 2022, filed for record August18, 2022, recorded at Deed Book 2803, Page 220, Effingham County, Georgia Records, in the original principal amount of $225,024.00 aforesaid records. Said Security Deed being given to secure the obligations of Grantor to Lender as set forth in a Promissory Note ("Note") of even date as amended, modified, or revised from time to time with interest at the rate specified therein, there will be sold, by the undersigned at public outcry to the highest bidder for cash, before the Courthouse Door at EFFINGHAM County, Georgia, within the legal hours of sale on the first Tuesday in April 2026, the following described property: All that certain lot or parcel of land situate, lying and being in the 11th G.M. District of Effingham County, Georgia, containing Five (5) acres, more or less, and being known and designated as Lot 3, Silver Hill Estates Subdivision. Said parcel of land being bounded on the North by Douglas Road; on the East by Lot 2, said subdivision and by lands of George L. Smith; on the South by Lot 4, said subdivision; on the Southwest and West by Douglas Road. Express reference is hereby made to a plat of said subdivision made by Vincent Helmly, RLS #1882, dated September 28, 1995, and recorded in the Office of the Clerk of Superior Court of Effingham County, Georgia, in Plat Cabinet A, Slide 356-G for better determining the metes and bounds of said land herein conveyed. Subject, however, to the 15 foot utility and drainage easement and the 50 foot building setback line running across the Northerly and Westerly boundary lines of said property as shown on the plat above referred to. Subject also, to the 40 foot wide drainage easement shown on said plat running across the portion of the Southeasterly parts of said lot as shown on said plat above-referred to. SUBJECT to all restrictive covenants and easements of record, if any. This being that same property conveyed unto Nelson Chanes and Kelly L. Baker Chanes by Quitclaim Deed of Kimberly H. Baker and Robert E. Baker dated December 9, 2021, recorded in DB 2749, PG 260, AND formerly unto Kimberly H. Baker and Robert Baker by Warranty Deed of Kenneth D. Brown. II, dated January 15, 2013. recorded in DB 2163, PG 258, Effingham County Superior Court Clerk's records. Said legal description is controlling however, the property is commonly known as 193 Douglas Road, Springfield, Georgia 31329. PARCEL # 0338A003 The indebtedness secured by said Security Deed has been and is hereby declared due because of default under the terms of said Security Deed and Note, including, but not limited to, the nonpayment of the indebtedness as and when due. The indebtedness remaining in default, this sale will be made for the purpose of paying the same, all expenses of the sale, including attorneys' fees and other payments provided for under the terms of the Security Deed and Note. Said property will be sold subject to the following items which may affect the title to said property: all zoning ordinances; matters which would be disclosed by an accurate survey or by inspection of the property; any outstanding taxes, including but not limited to, ad valorem taxes, which constitute liens upon said property; special assessments; and all outstanding bills for public utilities which constitute liens upon said property; To the best of the knowledge and belief of the undersigned, the party in possession of the property of Nelson Chanes and Kelly Lynn Chanes AKA Kelly L. Baker Chanes and /or tenant(s). The sale will be conducted subject (1) to confirmation that the sale is not prohibited under the United States Bankruptcy Code and (2) to final confirmation and audit of the status of the loan with the holder of the Security Deed. 21ST MORTGAGE CORPORATION and its counsel are acting as debt collectors. Any information obtained will be used for that purpose. 21ST MORTGAGE CORPORATION as Attorney-in-Fact for Nelson Chanes and Kelly Lynn Chanes AKA Kelly L. Baker Chanes. Contact: Jason Godwin Godwin Law Group 3985 Steve Reynolds Blvd, Bldg D Norcross, GA 30093 Phone: 470-427-2683 Email: jgodwin@godwinlawgroup.com 23235 3.25.26 RL