Property at 2912 Kelly Street may be sold at public auction due to default.

T.S. No.: 251027902 Notice of Trustee's Sale Loan No.: 26680 Order No. 95532589 APN: 417-0120-017-00 Property Address: 2912 Kelly Street Hayward, CA 94541 You Are In Default Under A Deed Of Trust Dated 10/17/2023. Unless You Take Action To Protect Your Property, It May Be Sold At A Public Sale. If You Need An Explanation Of The Nature Of The Proceeding Against You, You Should Contact A Lawyer. A public auction sale to the highest bidder for cashier's check drawn on a state or national bank, cashier's check drawn by a state or federal credit union, or a cashier's check drawn by a state or federal savings and loan association, or savings association, or savings bank specified in Section 5102 of the Financial Code and authorized to do business in this state will be held by the duly appointed trustee as shown below, of all right, title, and interest conveyed to and now held by the trustee in the hereinafter described property under and pursuant to a Deed of Trust described below. The sale will be made, but without covenant or warranty, expressed or implied, regarding title, possession, or encumbrances, to pay the remaining principal sum of the note(s) secured by the Deed of Trust, with interest and late charges thereon, as provided in the note(s), advances, under the terms of the Deed of Trust, interest thereon, fees, charges and expenses of the Trustee for the total amount (at the time of the initial publication of the Notice of Sale) reasonably estimated to be set forth below. The amount may be greater on the day of sale. No cashier's checks older than 60 days from the day of sale will be accepted. Trustor: Cloteal Gumbs, Surviving Trustee of The Raymond L. Gumbs and Cloteal Gumbs Declaration of Trust Dated June 8, 2001 Duly Appointed Trustee: Total Lender Solutions, Inc. Recorded 10/27/2023 as Instrument No. 2023127010 in book , page of Official Records in the office of the Recorder of Alameda County, California, Date of Sale: 4/7/2026 at 12:00 PM Place of Sale: At Fallon Street emergency exit, Alameda County Courthouse, 1225 Fallon St., Oakland, CA Amount of unpaid balance and other charges: $258,359.08 Street Address or other common designation of real property: 2912 Kelly Street Hayward, CA 94541 Legal Description: Please See Attached Exhibit "A" The undersigned Trustee disclaims any liability for any incorrectness of the street address or other common designation, if any, shown above. If no street address or other common designation is shown, directions to the location of the property may be obtained by sending a written request to the beneficiary within 10 days of the date of first publication of this Notice of Sale. Notice To Potential Bidders: If you are considering bidding on this property lien, you should understand that there are risks involved in bidding at a trustee auction. You will be bidding on a lien, not on the property itself. Placing the highest bid at a trustee auction does not automatically entitle you to free and clear ownership of the property. You should also be aware that the lien being auctioned off may be a junior lien. If you are the highest bidder at the auction, you are or may be responsible for paying off all liens senior to the lien being auctioned off, before you can receive clear title to the property. You are encouraged to investigate the existence, priority, and size of outstanding liens that may exist on this property by contacting the county recorder's office or a title insurance company, either of which may charge you a fee for this information. If you consult either of these resources, you should be aware that the same lender may hold more than one mortgage or deed of trust on the property. Notice To Property Owner: The sale date shown on this notice of sale may be postponed one or more times by the mortgagee, beneficiary, trustee, or a court, pursuant to Section 2924g of the California Civil Code. The law requires that information about trustee sale postponements be made available to you and to the public, as a courtesy to those not present at the sale. If you wish to learn whether your sale date has been postponed, and, if applicable, the rescheduled time and date for the sale of this property, you may call (877) 440-4460 or visit this Internet website www.mkconsultantsinc.com, using the file number assigned to this case 251027902. Information about postponements that are very short in duration or that occur close in time to the scheduled sale may not immediately be reflected in the telephone information or on the Internet Web site. The best way to verify postponement information is to attend the scheduled sale. Notice To Tenant: You may have a right to purchase this property after the trustee auction pursuant to Section 2924m of the California Civil Code. If you are an "eligible tenant buyer," you can purchase the property if you match the last and highest bid placed at the trustee auction. If you are an "eligible bidder," you may be able to purchase the property if you exceed the last and highest bid placed at the trustee auction. There are three steps to exercising this right of purchase. First, 48 hours after the date of the trustee sale, you can call (877) 440-4460, or visit this internet website www.mkconsultantsinc.com, using the file number assigned to this case 251027902 to find the date on which the trustee's sale was held, the amount of the last and highest bid, and the address of the trustee. Second, you must send a written notice of intent to place a bid so that the trustee receives it no more than 15 days after the trustee's sale. Third, you must submit a bid so that the trustee receives it no more than 45 days after the trustee's sale. When submitting funds for a bid subject to Section 2924m, please make the funds payable to "Total Lender Solutions, Inc. Holding Account". If you think you may qualify as an "eligible tenant buyer" or "eligible bidder," you should consider contacting an attorney or appropriate real estate professional immediately for advice regarding this potential right to purchase. Please be advised that the trustee may require entity or trust bidders at this trustee's sale to provide information, documentation and/or certification of the vesting instructions and the data required to be reported pursuant to FinCEN regulations effective for transfers of residential real property to covered transferees on or after March 1, 2026. The required information must be provided to the trustee before a trustee's deed upon sale will be issued for covered transfers. Additional information regarding these regulations and the required transferee information and certifications can be found at https://www.federalregister.gov/documents/2024/08/29/2024-19198/anti-money-laundering-regulations-for-residential-real-estate-transfers and https://www.fincen.gov/rre-faqs#D_5 Date: 2/24/2026 Total Lender Solutions, Inc. 10505 Sorrento Valley Road, Suite 125 San Diego, CA 92121 Phone: 866-535-3736 Sale Line: (877) 440-4460 By: Rachel Seropian, Trustee Sale Officer Exhibit "A" Legal Description Portion Of That Certain 50 Acre Tract Conveyed By The Estate Of Faxon D. Atherton, Deceased, To John Golart, By Deed Dated May 20, 1879 And Recorded In Book 183 Of Deeds, At Page 80, Alameda County Records, Described As Follows: Beginning At A Point On The Northwestern Line Of County Road No. 5910, Known As Kelly Street, Distant Thereon South 70 Degrees 00 Minutes West 550.00 Feet From The Intersection Thereof With The Western Line Of The Tract Of Land Conveyed By John Golart To Manuel Mooneis By Deed Dated November 3, 1881 And Recorded December 5, 1882 In Book 244 Of Deeds, At Page 358, Alameda County Records, The Bearing Of The Northwestern Line Of County Road No. 5910 Being Taken As South 70 Degrees 00 Minutes West For The Purpose Of Making This Description; And Thence Continuing Along Said Northwestern Line Of County Road No. 5910 South 70 Degrees 00 Minutes West 50.00 Feet; Thence Leaving Said Northwestern Line Of County Road No. 5910 North 17 Degrees 42 Minutes 30 Seconds West 200.16 Feet To A Line Drawn Parallel To And Distant Northwesterly 200.00 Feet Measured At Right Angles, From The Said Northwestern Line Of County Road No. 5910; Thence Along Said Parallel Line North 70 Degrees 00 Minutes East 42.00 Feet To The Intersection Thereof With A Line Drawn North 20 Degrees 00 Minutes West From The Point Of Beginning; Thence Along The Last Named Line South 20 Degrees 00 Minutes East 200.00 Feet To The Point Of Beginning. DR 6953178; Mar. 6, 13, 20, 2026