1491 Albert Avenue, Muskegon, MI 49442

Public Foreclosure Notice

Redemption estimate notice: Statutory redemption periods for court-ordered or judicial sales are determined by judicial decree and public record verification under Michigan law (MCL 600.3140 et seq.). Dates displayed are estimates for informational purposes.
NoticeId 1606550
FullNoticeText NOTICE OF MORTGAGE FORECLOSURE Default having been made in the terms and conditions of a certain Mortgage in the principal amount of $95,000.00 by and between STEPHANEE CRAYMER whose address is 1491 Albert Ave., Muskegon, Michigan 49442, as Mortgagor, and MUSKEGON ST. JOSEPH FEDERAL CREDIT UNION, as Mortgagee, whose address is 1903 Barclay Street, Muskegon, Michigan, 49441, dated December 9, 2020 and recorded on December 10, 2020, in Liber 4241, Page 930, Muskegon County Register of Deeds, and a certain Loan Modification Agreement by and between STEPHANEE CRAYMER, whose address is 1491 Albert Avenue, Muskegon, Michigan 49442, as Borrower and MUSKEGON ST. JOSEPH FEDERAL CREDIT UNION, as Lender, whose address is 1903 Barclay Street, Muskegon, Michigan, dated December 8, 2024, and recorded on December 18, 2023, in Liber 43345, Page 91, Muskegon County Register of Deeds, all concerning property at 1491 Albert Avenue, Muskegon, Michigan 49442 because of non-payment of installments and/or interest and non-payment of real property taxes. The amount due under the mortgage as of the date of this notice (September 18, 2026) is $57,918.33, principle and accrued interest, with interest continuing to accrue at the rate of 6.5%, plus costs and fees. No suit or proceedings at law or in equity have been instituted to recover the debt secured by said mortgage or sale contained in said mortgage or any part thereof. Now, therefore, by virtue of the power of sale contained in said mortgage, and pursuant to the statute of the State of Michigan in such case made and provided, notice of foreclosure by advertisement is hereby given under section 3212 of the revised judicature act of 1961, 1961 PA 236, MCL 600.3212, that the following mortgage will be foreclosed by a sale of the mortgage premises, or some part of them, on Friday, October 30, 2026, at 11:00 a.m. by a sale at public auction, to the highest bidder at the Pine Street entrance to the Michael E. Kobza Hall of Justice Building in Muskegon, MI. The amount due on the mortgage may be greater on the day of the sale. Placing the highest bid at the sale does not automatically entitle the purchaser to free and clear ownership of the property. A potential purchaser is encouraged to contact the county register of deeds office or a title insurance company, either of which may charge a fee for this information. Under MCL 600.3240(8), the length of time that the property may be redeemed by the Mortgagor is six months after the date of sale, or Friday, April 30, 2027. Should said real property be sold, the Mortgagor will be held responsible to the purchaser of said property for any damage to said property during the redemption period. Attention homeowner: if you are a military service member on active duty, if your period of active duty has concluded less than 90 days ago, or if you have been ordered to active duty, please contact the attorney for the party foreclosing the mortgage at the telephone number stated in this notice. The description of the property being foreclosed on is located in the City of Muskegon, County of Muskegon, State of Michigan, and is legally described as follows: City of Muskegon Urban Renewal Plat No. 2, West 28 feet Lot 280 and East 34.5 feet, Lot 281, City of Muskegon, Muskegon County, Michigan. Commonly known as: 1491 Albert Avenue, Muskegon, Michigan 49442 Tax ID No.: 61-24-611-000-0281-10 Dated: September 18, 2026 Jonathan R. Hoogstra, P-76102 BOWEN LAW OFFICES Attorney for Mortgagee 1042 Terrace Street Muskegon, MI 49442 (231) 726-4484 #4859-041 (09-18)(10-09)