3099 Fruit St, Clay, MI 48001

Public Foreclosure Notice

SHORT FORECLOSURE NOTICE – ST. CLAIR 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 St. Clair County, starting promptly at 1:00 PM, on August 20, 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): John Urbanski, single man Original Mortgagee: Mortgage Electronic Registration Systems, Inc. ("MERS"), as mortgagee, for lender and lender`s successors and assigns Date of mortgage: October 9, 2025 Recorded on October 27, 2025, Liber 5865, on Page 314, Foreclosing Assignee (if any): Mortgage Research Center, LLC d/b/a Veterans United Home Loans, a Missouri Limited Liability Company Amount claimed to be due at the date hereof: Three Hundred Seventy-Six Thousand One Hundred Fifty and 97/100 Dollars ($376,150.97) Mortgaged premises: Situated in St. Clair County, and described as: Part of Lot 232, Supervisor Roy T. Gilberts Plat No. 2, according to the plat thereof as recorded in Liber 48 of Plats, Page 32, St. Clair County Records and being part of Fractional Sections 8, 9, 10 and 16, Town 3 North, Range 16 East, Clay Township, St. Clair County Michigan, described as: Commencing at the Southwest corner of Lot 232; thence North 00 degrees 16 minutes 00 seconds East 1602.73 feet (R&M) along the West line of Lot 232; thence North 88 degrees 06 minutes 27 seconds East 140.00 feet parallel with the North line of said Lot 232 and the point of beginning; thence North 00 degrees 16 minutes 00 seconds East 130.09 feet parallel with the West line of said Lot 232 to the North line of Lot 232; thence along the North line of Lot 232, North 88 degrees 06 minutes 27 seconds East 102.29 feet, (North 88 degrees 47 minutes 00 seconds East, recorded); thence South 00 degrees 16 minutes 00 seconds West 130.09 feet; thence South 88 degrees 06 minutes 27 seconds West 102.29 feet to the point of beginning. Commonly known as 3099 Fruit St, Clay, MI 48001 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. Mortgage Research Center, LLC d/b/a Veterans United Home Loans, a Missouri Limited Liability Company Mortgagee/Assignee Schneiderman & Sherman P.C. 23938 Research Dr, Suite 300 Farmington Hills, MI 48335 248.539.7400 (07-22)(08-12)