IN THE CIRCUIT COURT OF THE 3RD JUDICIAL CIRCUIT, IN AND FOR
COLUMBIA COUNTY, FLORIDA
CIVIL DIVISION
CASE NO.: 12-2025-CA-000384-CAAM
VYSTAR CREDIT UNION,
Plaintiff,
vs.
ESTATE OF CHARLES H. FAILS A/K/A CHARLES FAILS; ET AL
Defendant(s).
NOTICE OF FORECLOSURE SALE
(Please publish in Lake City Reporter)
NOTICE IS HEREBY GIVEN pursuant to a Final Judgment of Mortgage Foreclosure dated the 15 day of May, 2026, and entered in Case No. 12-2025-CA-000384-CAAM of the Circuit Court of the 3rd Judicial Circuit in and for Columbia County, Florida, wherein VYSTAR CREDIT UNION is the Plaintiff, ESTATE OF CHARLES H. FAILS A/K/A CHARLES FAILS;
UNKNOWN HEIRS, DEVISEES, GRANTEES, ASSIGNEES, LIENORS, CREDITORS, TRUSTEES AND ALL OTHER PARTIES CLAIMING AN INTEREST BY, THROUGH,
UNDER OR AGAINST THE ESTATE OF CHARLES H. FAILS A/K/A CHARLES FAILS; ESTATE OF TRACY C. FAILS; UNKNOWN HEIRS, DEVISEES, GRANTEES, ASSIGNEES, LIENORS, CREDITORS, TRUSTEES AND ALL OTHER PARTIES CLAIMING AN INTEREST BY, THROUGH, UNDER OR AGAINST THE ESTATE OF TRACY C. FAILS; JOHN ALVIN FAILS; VALLI DUDGEON LINGER; UNKNOWN TENANT #1 AS TENANT IN POSSESSION OF THE SUBJECT PROPERTY; UNKNOWN TENANT #2 AS TENANT IN POSSESSION OF THE SUBJECT PROPERTY, are Defendants. I will sell to the highest and best bidder for cash at the Columbia County Courthouse, 173 NE Hernando Avenue, Lake City, Florida 32055, at 11:00 a.m., in accordance with Section 45.031, Florida Statutes on the 17 day of June, 2026, the following described property as set forth in said Final Judgment, to wit:
LOT 1, BLOCK 9, OAK HILL ESTATES, REPLAT, ADDITION NUMBER 1, ACCORDING TO THE MAP OR PLAT THEREOF, AS RECORDED IN PLAT BOOK 3, PAGE(S) 92, OF THE PUBLIC RECORDS OF COLUMBIA COUNTY, FLORIDA.
Property Address: 244 SE Arapahoe Lane, Lake City, FL 32025
ANY PERSON CLAIMING AN INTEREST IN THE SURPLUS FROM THE SALE, IF ANY, OTHER THAN THE PROPERTY OWNER AS OF THE DATE OF THE LIS PENDENS MUST FILE A CLAIM WITHIN SIXTY (60) DAYS AFTER THE SALE.
If you are a person with a disability who needs an accommodation in order to access court facilities or participate in a court proceeding, you are entitled, at no cost to you, to the provision of certain assistance. To request such an accommodation, please contact Court Administration Office at the Columbia County Courthouse, 173 NE Hernando Avenue, Lake City, Florida 32055, telephone (386) 758-2163, or complete the ADA Request form located at https://thirdcircuitfl.org/ada-accommodations-request/ at least seven (7) days prior to the proceeding or immediately upon receiving this notification if the time before the scheduled appearance is less than seven (7) days. If you are hearing or voice impaired call 711.
Dated this 15 day of May, 2026.
JAMES M. SWISHER, JRCLERK OF THE CIRCUIT COURT
(SEAL) By: Breanna Arreguin Rodriguez
Deputy Clerk
Submitted by:
LAW OFFICE OF
MICHELLE L. GLASS, PA
Attorney for Plaintiff
7545 Centurion Parkway, Ste. 103
Jacksonville, FL 32256
Telephone: (904) 606-3903
Facsimile: (904) 606-3936 PLEASE FAX A COPY OF THE FIRST INSERTION
910915
May 20, 27, 2026
