10430 Monroe Rd, Elwell, MI 48832

Public Foreclosure Notice

SHORT FORECLOSURE NOTICE – GRATIOT COUNTY Notice of Foreclosure by Advertisement. Notice is 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 mortgaged premises, or some part of them, at a public auction sale to the highest bidder for cash or cashier’s check at the place of holding the circuit court in Gratiot County, starting promptly at 10:00 AM, on March 19, 2026. 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. MORTGAGE: Mortgagor(s): Valerie Hovanec, unmarried woman Original Mortgagee: Mortgage Electronic Registration Systems, Inc. ("MERS"), solely as nominee for lender and lender`s successors and assigns Date of mortgage: January 31, 2024 Recorded on February 8, 2024, in Document No. 2024R-00501, Foreclosing Assignee (if any): Towne Mortgage Company d/b/a AmeriCU Mortgage Amount claimed to be due at the date hereof: One Hundred Seventy-Five Thousand One Hundred Eighty-Four and 16/100 Dollars ($175,184.16) Mortgaged premises: Situated in Gratiot County, and described as: The East 815 feet, except the West 150 feet of the South 180 feet thereof, of the following described parcel: Commencing 400 feet East of the Southwest corner of the Southwest 1/4 of the Southeast 1/4 of Section 20, Township 12 North, Range 4 West, Seville Township, Gratiot County, Michigan; thence North 300 feet; thence East 920 feet to the East line of the Southwest 1/4 of the Southeast 1/4; thence South to the Southeast corner of the Southwest 1/4 of the Southeast 1/4 and thence West to the Point of Beginning. Commonly known as 10430 Monroe Rd, Elwell, MI 48832 The redemption period will be 6 month from the date of such sale, unless abandoned under MCL 600.3241a, in which case the redemption period will be 30 days from the date of such sale, or 15 days from the MCL 600.3241a(b) notice, whichever is later; or unless extinguished pursuant to MCL 600.3238. If the above referenced property is sold at a foreclosure sale under Chapter 32 of Act 236 of 1961, under MCL 600.3278, the borrower will be held responsible to the person who buys the property at the mortgage foreclosure sale or to the mortgage holder 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. Towne Mortgage Company d/b/a AmeriCU Mortgage Mortgagee/Assignee Schneiderman & Sherman P.C. 23938 Research Dr, Suite 300 Farmington Hills, MI 48335 248.539.7400 (02-05)(02-26)