3270 Harver Drive, Pickney, MI 48169

Public Foreclosure Notice

MORTGAGE FORECLOSURE NOTICE DEFAULT having been made in the terms and conditions of a certain mortgage made by Raymond F. Vernarsky and Christine M. Vernarsky, husband and wife, (“Borrowers”), whose mailing address is 3270 Harver Drive, Pinckney, MI 48169 to Community Financial Credit Union, whose address is 500 S. Harvey, P.O. Box 5050, Plymouth, MI 48170, on July 12, 2022 and recorded on July 18, 2022 at Document No. 2022R-019748, Livingston County Records, on which mortgage there is claimed to be due at the date of this notice the sum of THIRTY-TWO THOUSAND EIGHT HUNDRED SEVENTY AND 60/100 DOLLARS ($32,870.60), plus interest, at a rate of 8.250% 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 Hamburg, County of Livingston, State of Michigan, more particularly described as follows: Parcel 4: Part of the East 1/2 of the Northwest 1/4 and part of the East 1/2 of the Southwest 1/4, all in Section 20, Town 1 North, Range 5 East, Hamburg Township, Livingston County, Michigan, described as follows: Commencing at the West 1/4 corner of said Section 20; thence North 87 degrees 22 minutes 59 seconds East, 1333.50 Feet; thence North 54 degrees 03 minutes 12 seconds East, 183.11 Feet along the centerline of Highway M-36; thence South 67 degrees 46 minutes 54 seconds East 284.34 to the point of beginning of the land to be described; running thence North 08 degrees 56 minutes 10 seconds East, 67.85 Feet; thence South 67 degrees 46 minutes 54 seconds East, 195.32 Feet; thence South 26 degrees 04 minutes 25 seconds East, 405.33 Feet; thence North 88 degrees 11 minutes 52 seconds West, 426.25 Feet; thence North 08 degrees 59 minutes 09 seconds East, 361.94 Feet (recorded 359.86 Feet) and to the point of beginning. Subject to and Together with Access Easement described as: Part of the East 1/2 of the Northwest 1/4 and part of the East 1/2 of the Southwest 1/4 all in Section 20, Town 1 North, Range 5 East, Hamburg Township, Livingston County, Michigan, described as follows: Commencing at the West 1/4 corner of said Section 20; thence North 87 degrees 22 minutes 59 seconds East, 1333.50 Feet; thence North 54 degrees 03 minutes 12 seconds East, 183.11 Feet along the centerline of Highway M-36 to the point of beginning; running thence North 54 degrees 03 minutes 12 seconds East, 77.69 Feet; thence South 67 degrees 46 minutes 54 seconds East, 347.47 Feet; thence along a curve to the right with a Radius of 260.00 Feet, a Central Angle of 8 degrees 11 minutes 30 seconds and a Long Chord bearing and distance of South 58 degrees 51 minutes 17 seconds East, 37.14 Feet; thence South 54 degrees 45 minutes 32 seconds East, 57.77 Feet thence along a curve to the left with a Radius of 100.00 Feet, a Central Angle of 22 degrees 43 minutes 22 seconds and a Long Chord bearing and distance of South 66 degrees 07 minutes 13 seconds East, 39.40 Feet; thence South 77 degrees 28 minutes 54 seconds East, 76.20 Feet; thence South 12 degrees 31 minutes 06 seconds West, 99.95 Feet; thence along a curve to the right with a Radius of 50.00 Feet, a Central Angle of 57 degrees 41 minutes 54 seconds and a Long Chord bearing and distance of North 46 degrees 05 minutes 28 seconds West, 48.25 Feet; thence along a curve to the left with a Radius of 30.00 Feet, a Central Angle of 59 degrees 36 minutes 02 seconds and a Long Chord bearing and distance of North 47 degrees 41 minutes 00 seconds West, 29.82 Feet thence North 77 degrees 28 minutes 54 seconds West, 9.14 Feet; thence along a curve to the right with a Radius of 160.00 Feet, a Central Angle of 22 degrees 43 minutes 22 seconds and a Long Chord bearing and distance of North 66 degrees 07 minutes 13 seconds West, 63.04 Feet; thence North 54 degrees 45 minutes 32 seconds West, 59.54 Feet; thence along a curve to the left with a Radius of 200.00 Feet a Central Angle of 19 degrees 01 minutes 22 seconds and a Long Chord bearing and distance of North 64 degrees 16 minutes 13 seconds West, 66.10 Feet; thence North 73 degrees 46 minutes 54 seconds West, 59.56 Feet; thence North 67 degrees 46 minutes 54 seconds West, 284.70 Feet to the point of beginning. Commonly known as: 3270 Harver Drive, Pinckney, MI 48169 Tax ID No. 4715-20-300-029 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 Livingston County, starting promptly at 10:00 a.m. on Wednesday, December 3, 2025. 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: October 29, 2025 Mortgagee Community Financial Credit Union 555 S. Harvey, P.O. Box 5050 Plymouth, MI 48170 Pamela S. Ritter (P47886) Attorney for Mortgagee Community Financial Credit Union Strobl PLLC 33 Bloomfield Hills Pkwy., Ste. 125 Bloomfield Hills, MI 48304 (248) 540-2300 (11-02)(11-23)