129756 Trustee Sale/
Donna Ruby
NOTICE OF TRUSTEE’S SALE Pursuant to the Revised Code of Washington,
Chapter 61.24 RCW:
Grantor: Chrystal M. Mercado
Grantee/Beneficiary:
Donna L. Ruby
Abbreviated Legal Description:
Assessor’s Tax Parcel ID #:
031512004002
Reference Nos. of Related
Docs.: 3487421
I.
NOTICE IS HEREBY GIVEN that the undersigned Trustee, Eric J. Lanza, will on May 17, 2024, at 10:00am at the following location: 351 NW North St, Chehalis, WA 98532, sell at public auction to the highest and best bidder, payable at the time of sale, the following-described real property, situated in the County of Lewis, State of Washington, to wit:
AS IN SAID DEED OF TRUST AND DESCRIBED ON THE ATTACHED EXHIBIT A.
Commonly known as:
222 Long and Winding Rd.,
Randle, WA 98377.
The afore-described real property is subject to that certain Deed of Trust, dated July 17, 2018, recorded on July 18, 2018, under Auditor’s File No. 3487421, records of Lewis County, State of Washington from Chyrstal M. Mercado as Grantor to Title Guaranty of Lewis County as Trustee, to secure an obligation in favor of Donna L. Ruby, the Beneficiary.
II.
No action commenced by the Beneficiary of the Deed of Trust is now pending to seek satisfaction of the obligation in any Court by reason of the Borrower’s, Grantor’s default on the obligation secured by the Deed of Trust.
III.
The defaults for which this foreclosure is made are as follows:
(a) Failure to pay when due the following amounts, which are now in arrears:
Currently Due to Reinstate on December 22, 2023:
Arrearages:
6 Principal and Interest Payments from July 1, 2023 through December 22, 2023 @ $1,115.02 per month
$6,690.12
6 Late Fees at $75.00 each
$450.00
Subtotal
$7,140.12
Payments of 2022 and 2023 general taxes of $1,631.23 and $3,311.09, respectively, were not made pursuant to terms of the Promissory Note dated July 17, 2018 secured by the Deed of Trust, occurring by the respective due dates. The amount in arrears is $4,942.32, plus interest and penalties which may accrue after the date of this notice.
Costs and Fees
(b) In addition to the amounts in arrears specified above, you are or may be obligated to pay the following estimated charges, costs and fees to reinstate the Deed of Trust.
Trustee’s or Attorneys’ Fees
$1,900.00
Title Report
$697.89
Posting of Foreclosure Notices
$200.00
Recording Fees
$225.50
Subtotal
$3,022.89
TOTAL CURRENT ESTIMATED REINSTATEMENT AMOUNT $15,105.33
The estimated amounts that will be due to reinstate on March 18, 2023 (11 days before the sale date):
Additional Arrearages
3 Principal and Interest Payments from January 1, 2024 through March 18, 2024 @ $1,115.02 per month
$3,345.06
3 Late Fees at $75.00 each
$225.00
Subtotal
$3,570.06
Additional Costs and Fees
Additional Trustees’ or
Attorneys’ Fees
$900.00
Publication Costs
$700.00
Subtotal
$1,600.00
TOTAL ESTIMATED REINSTATEMENT AMOUNT ON MARCH 18, 2024 $20,275.39
IV.
The sum owing on the obligation secured by the Deed of Trust is $108,300.66, together with interest as provided in the Note from July 1, 2023 and such other costs and fees as are due under the Note and Deed of Trust and as are provided by statute. Of course, as time passes other payments may become due, and any further payments coming due and any additional late charges must be added to the reinstating payment. Any new defaults not involving payment of money that occur after the date of this notice must also be cured in order to effect reinstatement. In addition, because some of the charges can only be estimated at this time and because the amount necessary to reinstate may include presently unknown expenditures required to preserve the property, or to comply with state or local laws, it is necessary for you to contact the Trustee before the time you tender reinstatement so that you may be advised of the exact amount you will be required to pay. Tender of payment or performance must be in the full amount by certified funds or cash equivalent to the Trustee whose address is:
Eric J. Lanza
314 Harrison Ave.
Centralia, WA 98531
V.
The above-described real property will be sold to satisfy the expense of sale and the obligation secured by the Deed of Trust as provided by statute. The sale will be made without warranty, express or implied, regarding title, possession, or encumbrances on May 17, 2024. The default(s) referred to in paragraph III must be cured by May 6, 2024 (11 days before the sale date), to cause a discontinuance of the sale. The sale will be discontinued and terminated if at any time on or before May 6, 2024 (11 days before the sale date) the default(s) as set forth in paragraph III are cured and the Trustee’s fees and costs are paid. The sale may be terminated any time after May 6, 2024 (11 days before the sale date) and before the sale by the Borrower, Grantor, any Guarantor, or the holder of any recorded junior lien or encumbrance paying the entire principal and interest secured by the Deed of Trust, plus costs, fees, and advances, if any, made pursuant to the terms of the obligation and/or Deed of Trust, and curing all other defaults.
VI.
A written Notice of Default was transmitted by the Trustee to the Borrower, Grantor, at the following addresses:
Chrystal Mercado
PO Box 272
Randle, WA 98377-0272
Chystal Mercado
PO Box 213
Randle, WA 98377
Chrystal Mercado
222 Long and Winding Road,
Randle, WA 98377
Residents/Occupants of Premises
222 Long and Winding Road,
Randle, WA 98377
by both first class and certified mail on November 16, 2023, proof of which is in the possession of the Trustee; and on November 15, 2023 the Borrower, Grantor, were personally served with the written Notice of Default or the written Notice of Default was posted in a conspicuous place on the real property described in paragraph I above, and the Trustee has possession of proof of such service or posting.
VII.
The Trustee whose name and address are set forth below will provide in writing to anyone requesting it, a statement of all costs and fees due at any time prior to the sale.
VIII.
The effect of the sale will be to deprive the Grantor and all those who hold by, through or under the Grantor of all their interest in the above-described property.
IX.
Anyone having an objection to the sale on any grounds whatsoever are afforded an opportunity to be heard as to those objections if they bring a lawsuit to restrain the sale pursuant to the Revised Code of Washington, Chapter 61.24.130. Failure to bring such a lawsuit may result in a waiver of any proper grounds for invalidating the Trustee’s Sale. Service of process of any lawsuit or legal action may be made on Eric J. Lanza, whose address is: 314 Harrison Ave. Centralia, WA 98531.
X.
Notice to Occupants
or Tenants:
The purchaser at the Trustee’s Sale is entitled to possession of the property on the 20th day following the sale, as against the Grantor under the Deed of Trust (the owner) and anyone having an interest junior to the deed of trust, including occupants and tenants. After the 20th day following the sale the purchaser has the right to evict occupants and tenants by summary proceedings under the unlawful detainer act, chapter 59.12 RCW. For tenant-occupied property, the purchaser shall provide a tenant with written notice in accordance with RCW 61.24.060.
XI.
Notice to Guarantor(s):
The Guarantor may be liable for a deficiency judgment to the extent the sale price obtained at the Trustee’s Sale is less than the debt secured by the Deed of Trust. In any action for a deficiency, the Guarantor will have the right to establish the fair value of the property as of the date of the Trustee’s Sale, less prior liens and encumbrances, and to limit its liability for a deficiency to the difference between the debt and the greater of such fair value or the sale price paid at the Trustee’s Sale, plus interest and cost.
The Guarantor has the same rights to reinstate the debt, cure the default, or repay the debt as is given to the Grantor in order to avoid he Trustee’s Sale. The Guarantor will have no right to redeem the Property after the trustee’s sale. Any action to enforce a guaranty must be commenced within one year after the Trustee’s Sale, or the last Trustee’s Sale under any deed of trust granted to secure the same debt (subject to such longer periods as are provided in RCW 61.24).
This is an attempt to collect a debt and any information obtained will be used for that purpose. DATED this 17 day of April, 2024
/s/ Eric J. Lanza
Successor Trustee
For further information please call Buzzard O’Rourke, P.S. at 360.736.1108
Published: The Chronicle
April 18, 2024
May 7, 2024
