3131 N. Otter Creek Rd, Monroe, MI 48161

Public Foreclosure Notice

MORTGAGE FORECLOSURE NOTICE DEFAULT having been made in the terms and conditions of a certain mortgage made by Randy Ridner, Jr., whose mailing address is 3131 N. Otter Creek Rd., Monroe, MI 48161, to Orsa Credit Union f/k/a Community Financial Credit Union, 500 S. Harvey, Plymouth, MI 48170, dated April 19, 2019, and an Affidavit of Real Property was recorded on June 8, 2022, at Instrument No. 2022R12103, Monroe County Records, attaching the Mortgage dated April 19, 2019, on which mortgage there is claimed to be due at the date of this notice the sum of ONE HUNDRED ONE THOUSAND SIX HUNDRED FIFTY AND 38/100 DOLLARS ($101,650.38) plus interest, at a rate of 9.25% per annum, together with any additional sum or sums which may be paid by the undersigned as provided for in said mortgage, and no suit or proceedings at law or in equity having been instituted to recover the debt secured by 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 is hereby given that the undersigned will sell at public auction to the highest bidder, the premises described in said mortgage or so much thereof as may be necessary to pay the amount due on said mortgage, including all legal costs, charges and expenses, including the attorney fees allowed by law, and also any sum or sums which may be paid by the undersigned, necessary to protect its interest in the premises. Which said premises are described as follows: Property situated in the Township of LaSalle, County of Monroe, State of Michigan, more particularly described as follows: A parcel of land being a part of Private Claim 431 and a part of Private Claim 612, LaSalle Township, Monroe County, Michigan, and being more particularly described as follows: Commencing at an iron pin at the point of intersection of the West line of Private 436 with the centerline of South Otter Creek Road, said iron pin having been previously established as being 1327.47 feet North of the Southwest corner of Private Claim 436; thence North 28 degrees 46 minutes 33 seconds East, on the West line of Private Claim 436, a distance of 1939.68 feet to a point; thence South 58 degrees 48 minutes 13 seconds East, a distance of 661.67 feet to an iron pin set by others and referenced as being on the East line of Private Claim 436 and West line of Private Claim 612; thence North 27 degrees 45 minutes 00 seconds East, on the existing monumented Westerly line of Private Claim 612 and the Easterly line of Private Claim 436, a distance of 812.40 feet to a point of intersection with the centerline of North Otter Creek Road; thence South 61 degrees 22 minutes 50 seconds East, on the centerline of North Otter Creek Road, a distance of 150.00 feet to a point, said point being the true point of beginning of the parcel herein described; thence continuing South 61 degrees 22 minutes 50 seconds East, on the centerline of North Otter Creek Road, a distance of 435.50 feet, to a point of intersection with the East line of Private Claim 612 and the West line of Private Claim 431; thence South 28 degrees 29 minutes 19 seconds West, on the East line of Private Claim 612 and West line of Private Claim 431, a distance of 33.00 feet to an iron pin; thence continuing South 28 degrees 29 minutes 19 seconds West, on the East line of Private Claim 612 and the West line of Private Claim 431, a distance of 1461.53 feet to an iron pin; thence South 61 degrees 48 minutes 51 seconds East, a distance of 22.01 feet to an iron pin; thence South 27 degrees 45 minutes 00 seconds West, a distance of 113.10 feet to a point on the centerline of Otter Creek; thence South 78 degrees 47 minutes 46 seconds West, on the centerline of Otter Creek, passing through the West line of Private Claim 431 and East line of Private Claim 612, a distance of 30.57 feet to a point; thence South 35 degrees 27 minutes 55 seconds West, continuing on the centerline of Otter Creek a distance of 44.10 feet to a point; thence South 23 degrees 25 minutes 24 seconds East, continuing on the centerline of Otter Creek and passing through the East line of Private Claim 612 and West line of Private Claim 431, a distance of 34.12 feet to a point; thence South 01 degrees 59 minutes 56 seconds East, continuing on the centerline of Otter Creek, a distance of 29.54 feet to a point; thence South 52 degrees 44 minutes 08 seconds West, continuing on the centerline of Otter Creek, a distance of 84.33 feet to an iron pin at the intersection of the centerline of Otter Creek with the West line of Private Claim 431 and the East line of Private Claim 431 and the East line of Private Claim 612; thence North 69 degrees 31 minutes 16 seconds West, a distance of 262.30 feet to an iron pin; thence North 56 degrees 24 minutes 11 seconds West, a distance of 339.19 feet to an iron pin on the West line of Private Claim 612 and the East line of Private Claim 436; thence North 59 degrees 04 minutes 34 seconds East, a distance of 352.93 feet to an iron pin; thence North 27 degrees 45 minutes 00 seconds East, on a line being parallel with the existing monumented Westerly line of Private Claim 612, a distance of 1464.85 feet to an iron pin; thence continuing North 27 degrees 45 minutes 00 seconds East, a distance of 33.00 feet to the true point of beginning of the parcel herein described. Commonly known as: 3131 N. Otter Creek Rd., Monroe, MI 48161 Tax ID No. 09-130-108-30 The redemption period shall be six (6) months from the date of such sale unless the property is determined abandoned in accordance with 1948 CL 600.3241a, in which case the redemption period shall be thirty (30) days from the date of such sale. If the property is sold at foreclosure sale under Chapter 32 of the Revised Judicature Act of 1961, pursuant to 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. 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 Monroe County, starting promptly at 10:00 a.m. on Thursday, April 30, 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. Dated: March 24, 2026 Mortgagee: Orsa Credit Union f/k/a Community Financial Credit Union 500 S. Harvey Plymouth, MI 48170 Pamela S. Ritter (P47886) Attorney for Mortgagee Orsa Credit Union Strobl Stark PLLC 33 Bloomfield Hills Pkwy., Ste. 125 Bloomfield Hills, MI 48304 (248) 540-2300 (03-24)(04-14)