Foreclosure action against the estate of Ruth Ann Stephens in Hillsborough County.

NOTICE OF ACTION 
IN THE CIRCUIT COURT OF THE THIRTEENTH JUDICIAL CIRCUIT OF FLORIDA, IN AND FOR  
HILLSBOROUGH COUNTY 
GENERAL CIVIL DIVISION 
CASE NO.: 25-CA-009645 
BAY HILLS VILLAGE  
CONDOMINIUM ASSOCIATION, INC., 
Plaintiff, v. 
ESTATE OF RUTH ANN  
STEPHENS, UNKNOWN SPOUSE OF RUTH ANN STEPHENS, THE UNKNOWN HEIRS, DEVISEES,  
GRANTEES, ASSIGNEES,  LIENORS, CLAIMANTS  
CLAIMING BY, THROUGH, UNDER OR AGAINST RUTH ANN STEPHENS, UNKNOWN TENANT(S) IN POSSESSION, CAPITAL ONE BANK (USA), N.A., HILLSBOROUGH COUNTY, 
Defendants. 
TO: UNKNOWN SPOUSE OF RUTH ANN STEPHENS, THE UNKNOWN HEIRS, DEVISEES, GRANTEES, ASSIGNEES, LIENORS, CLAIMANTS CLAIMING BY, THROUGH, UNDER OR AGAINST RUTH ANN STEPHENS, and UNKNOWN TENANT(S) 
IN POSSESSION 
YOU ARE NOTIFIED that an action to foreclose a lien has been commenced on the following property in Hillsborough County, Florida: 
Site No. 1, in Block 2, BAY HILLS VILLAGE, A CONDOMINIUM, and an appurtenant undivided interest in the common elements thereof, according to the Declaration of Condominium recorded in Official Records Book 4525, Page 342, Public Records of Hillsborough County, Florida, as amended by that certain Amendment to Declaration of Condominium for Bay Hills Village, A Condominium recorded in Official Records Book 4611, Page 1224, Public Records of Hillsborough County, Florida, and according to the plat thereof recorded in Condominium Plat Book 7, Pages 63-1 through 63-2, Public Records of Hillsborough County, Florida, as amended by that certain Condominium Plat Book 8, Page 4, Public Records of Hillsborough County, Florida. 
Folio: 060603-7604 
PIN: U-10-28-20-24R- 
000002-00001.0 
a/k/a 10505 Bay Hills Cir 
Thonotosassa, FL 33592 
A lawsuit has been filed against you and you are required to serve a copy of your written defenses, if any, on or before 30 days after the first publication of this Notice of Action on Westerman Law, PLLC, Plaintiffs Attorney, whose address is 360 Central Ave., #800, St. Petersburg, FL 33701, and file the original with this Court either before service on Plaintiffs attorney or immediately thereafter; otherwise, a default will be entered against you for the relief demanded in the Complaint. 
If you are a person with a disability who needs any accommodation in order to participate in this proceeding, you are entitled, at no cost to you, to the provision of certain assistance. Please contact the ADA Coordinator, Hillsborough County Courthouse, 800 E. Twiggs St., Room 604, Tampa, Florida 33602, (813) 272-7040, at least 7 days before your scheduled court appearance, or immediately upon receiving this notification if the time before the scheduled appearance is less than 7 days; if you are hearing or voice impaired, call 711. 
This notice shall be published once each week for two consecutive weeks in The Business Observer. 
WITNESS my hand and the seal of this Court on this 21 day of January, 2026. 
Victor D. Crist, as Clerk of Court 
(SEAL) By: Clerk, Jennifer Taylor 
Hillsborough County Courthouse 
800 E. Twiggs St. 
Tampa, FL 33602 
Marielle Westerman, Esq. 
Westerman Law, PLLC 
360 Central Ave., Ste. 800 
St. Petersburg, FL 33701 
Jan. 30; Feb. 6, 2026        26-00274H