22470 Lange Street, St. Clair Shores, MI 48080

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 1606795
FullNoticeText THIS FIRM IS A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. NOTICE OF FORECLOSURE BY ADVERTISEMENT Default having been made in the conditions of a certain Mortgage made by Christopher T. Wernet and Stephanie A. Wernet, husband and wife, 22470 Lange Street, St. Clair Shores, Michigan, 48080 to STURGIS BANK & TRUST COMPANY, 125 E. Chicago Road, Sturgis, Michigan, 49091 dated August 25, 2022, and recorded in the office of the Register of Deeds for the County of Macomb and State of Michigan, on August 30, 2022, in Liber 28787 of Mortgages, on page 22, and modified pursuant to a loan modification agreement recorded on October 9, 2025, in Liber 30330, Page 278. There is claimed to be due on the date of this notice, for principal and interest the sum of FOUR HUNDRED EIGHTY-THREE THOUSAND, THIRTY and 09/100 ($483,030.09) Dollars on the Mortgage and no proceedings having been instituted to recover the debt now remaining secured by said Mortgage, or any part thereof, where by the power of sale contained in said Mortgage has become operative; Now Therefore, Notice is Given that by virtue of the power of sale contained in said Mortgage and under section 3212 of the revised judicature act of 1961, 1961 PA 236, MCL 600.3212, the said Mortgage will be foreclosed by a sale of the mortgaged premises therein described or so much thereof as may be necessary, at a public auction sale, to the highest bidder for cash or cashier's check, at the Circuit Court Building in the City of Mount Clemens and County of Macomb, Michigan, that being the place of holding Circuit Court in and for said County, on Friday, October 16, 2026, at promptly 10:00 o'clock in the forenoon of said day; said premises will be sold to pay the amount as aforesaid then due on said Mortgage together with 4.875% percent interest on the Mortgage, legal costs, attorneys' fees and also any taxes and insurance that said Mortgagee does pay on or prior to the date of said sale; which said mortgage premises are described as follows, to-wit: Land situated in the City of St. Clair Shores, County of Macomb, State of Michigan, described as follows: Lot 235 and 236, Lake St. Clair Gardens Subdivision Number 1, as recorded in Liber 10 of Plats, Page 65, Macomb County Records. Property Address: 22470 Lange Street, St. Clair Shores, Michigan, 48080 PIN: 09-14-26-155-001 The amount due on said 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. Pursuant to MCL 600.3240, the last day to redeem the Sheriff's Deed will be April 16, 2027, however, if an Affidavit of Abandonment is filed with the Register of Deeds, the last day to redeem will be November 16, 2026, or until the time to provide the notice was required by MCL 600.3241a(c) expires, whichever is later. If said property is in fact sold at the above-described foreclosure sale, pursuant to MCL 600.3278, the above listed Mortgagor will be responsible to the person who buys the property at the foreclosure sale or to STURGIS BANK & TRUST COMPANY for damaging the 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. ATTENTION PURCHASERS: This sale may be rescinded by the foreclosing mortgagee. In that event, your damages, if any, shall be limited solely to the return of the bid amount tendered at sale, plus interest. Dated: September 18, 2026 STURGIS BANK & TRUST COMPANY Mortgagee. HaasCaywood PC By: P. Joseph Haas, Jr. Attorney for STURGIS BANK & TRUST COMPANY Business Address: 112 South Monroe Street Sturgis, MI 49091 (269) 651-3281 (9-18)(10-9)