NOTICE OF TRUSTEE'S SALE
NOTICE IS HEREBY GIVEN, that Early Law, P.A. f/k/a Gasdick Stanton Early, P.A., 5950 Hazeltine National Drive, Suite 650, Orlando, FL 32822, as Trustee as set forth in the recorded Appointment of Trustee, pursuant to Florida Statute 721.856, will sell at public Auction to the highest bidder of U.S. funds, in cash or certified funds only, on June 23, 2026, at 10:00am EST (Eastern Standard Time), at early-law.com/fc, all right, title and interest in the properties listed below in Bay County, Florida for continuing nonpayment of the periodic payments due under the mortgages described below, as follows:
ASHLEY MCCRAY and JEREL WILLIAMS, Notice of Default and Intent to Foreclose sent via Certified/ Registered Mail/ publication to: 5280 KINGSBERRY ST, COLUMBUS, GA 31907; Mortgage recorded on March 19, 2014; O.R. Book 3593 at Page 1700 Public Records of Bay County, FL. Total Due: $43004.05 as of December 3, 2025, interest $7.096 per diem; described as: A 105,000/633,452,000 undivided interest in real property commonly known as Units 137-147, 237-247, 337-347, 437-447, 537-547 of EMERALD BEACH RESORT CONDOMINIUM III, a 105,000/633,452,000 Ownership Interest allocated 105,000 Points as defined in the Declaration for use in Each year(s), as further described in the mortgage referenced above.
MICHAEL ROBERT MAXWELL and SUSAN ANNETTE MAXWELL, Notice of Default and Intent to Foreclose sent via Certified/ Registered Mail/ publication to: 206 PRIEST VIEW DR, SMYRNA, TN 37167; Mortgage recorded on November 6, 2023; O.R. Book 4746 at Page 1900 Public Records of Bay County, FL. Total Due: $82494.80 as of December 3, 2025, interest $29.464 per diem; described as: A 600,000/2,182,407,500 undivided interest in real property commonly known as Units 637, 640, 641, 645, 737-741, 744-747, 837-842, 844-847, 937-947, 1037-1047, 1137-1146, 1237-1246, 1337-1346, 1437-1446, 1537-1546, 1637-1646, 1737-1746, 1837-1846, 1937-1946, 2037-2046, 2137-2146, 2237-2246, 2337-2346, 2438, 2538 of EMERALD BEACH RESORT CONDOMINIUM III, a 600,000/2,182,407,500 Ownership Interest allocated 600,000 Points as defined in the Declaration for use in Each year(s), as further described in the mortgage referenced above.
KATARA S HUNTER and WILLIAM LOWERY JR, Notice of Default and Intent to Foreclose sent via Certified/ Registered Mail/ publication to: 9836 S WOODLAWN AVE, CHICAGO, IL 60628; Mortgage recorded on September 28, 2021; O.R. Book 4465 at Page 1527 Public Records of Bay County, FL. Total Due: $13732.94 as of December 3, 2025, interest $5.064 per diem; described as: A 126,000/2,182,407,500 undivided interest in real property commonly known as Units 637, 640, 641, 645, 737-741, 744-747, 837-842, 844-847, 937-947, 1037-1047, 1137-1146, 1237-1246, 1337-1346, 1437-1446, 1537-1546, 1637-1646, 1737-1746, 1837-1846, 1937-1946, 2037-2046, 2137-2146, 2237-2246, 2337-2346, 2438, 2538 of EMERALD BEACH RESORT CONDOMINIUM III, a 126,000/2,182,407,500 Ownership Interest allocated 126,000 Points as defined in the Declaration for use in Each year(s), as further described in the mortgage referenced above.
JAMIE GUTHRIE CRUZ and OSCAR ROEL CRUZ JIMENES, Notice of Default and Intent to Foreclose sent via Certified/ Registered Mail/ publication to: 1110 WOODMONT CIR, FRANKLIN, KY 42134; Mortgage recorded on January 2, 2019; O.R. Book 4074 at Page 898 Public Records of Bay County, FL. Total Due: $88275.00 as of December 3, 2025, interest $19.773 per diem; described as: A 400,000/2,182,407,500 undivided interest in real property commonly known as Units 637, 640, 641, 645, 737-741, 744-747, 837-842, 844-847, 937-947, 1037-1047, 1137-1146, 1237-1246, 1337-1346, 1437-1446, 1537-1546, 1637-1646, 1737-1746, 1837-1846, 1937-1946, 2037-2046, 2137-2146, 2237-2246, 2337-2346, 2438, 2538 of EMERALD BEACH RESORT CONDOMINIUM III, a 400,000/2,182,407,500 Ownership Interest allocated 400,000 Points as defined in the Declaration for use in Each year(s), as further described in the mortgage referenced above.
DIANA ARTEAGA and VERNON PRUNEDA, Notice of Default and Intent to Foreclose sent via Certified/ Registered Mail/ publication to: 5602 SHREVEPORT DR, AUSTIN, TX 78727; Mortgage recorded on July 30, 2019; O.R. Book 4150 at Page 311 Public Records of Bay County, FL. Total Due: $61714.77 as of December 3, 2025, interest $26.489 per diem; described as: A 400,000/2,182,407,500 undivided interest in real property commonly known as Units 637, 640, 641, 645, 737-741, 744-747, 837-842, 844-847, 937-947, 1037-1047, 1137-1146, 1237-1246, 1337-1346, 1437-1446, 1537-1546, 1637-1646, 1737-1746, 1837-1846, 1937-1946, 2037-2046, 2137-2146, 2237-2246, 2337-2346, 2438, 2538 of EMERALD BEACH RESORT CONDOMINIUM III, a 400,000/2,182,407,500 Ownership Interest allocated 400,000 Points as defined in the Declaration for use in Each year(s), as further described in the mortgage referenced above.
DARNELL CLARK and ANGELA CLARK, Notice of Default and Intent to Foreclose sent via Certified/ Registered Mail/ publication to: 8447 MEADOW PLNS, SAN ANTONIO, TX 78254; Mortgage recorded on August 24, 2023; O.R. Book 4723 at Page 1540 Public Records of Bay County, FL. Total Due: $27201.62 as of December 3, 2025, interest $9.817 per diem; described as: A 105,000/2,182,407,500 undivided interest in real property commonly known as Units 637, 640, 641, 645, 737-741, 744-747, 837-842, 844-847, 937-947, 1037-1047, 1137-1146, 1237-1246, 1337-1346, 1437-1446, 1537-1546, 1637-1646, 1737-1746, 1837-1846, 1937-1946, 2037-2046, 2137-2146, 2237-2246, 2337-2346, 2438, 2538 of EMERALD BEACH RESORT CONDOMINIUM III, a 105,000/2,182,407,500 Ownership Interest allocated 105,000 Points as defined in the Declaration for use in Each year(s), as further described in the mortgage referenced above.
Obligors shall have the right to cure the default and any junior lienholder shall have the right to redeem its interest up to the date the trustee issues the Certificate of Sale by paying the amounts due as outlined in the preceding paragraphs.
If you experience any issues or have any questions, please contact us via email at tsf@early-law.com.
Dated: 5/6/26
By: /s/Tara C. Early, Authorized Agent
STATE OF FLORIDA
COUNTY OF ORANGE
The foregoing instrument was acknowledged before me by means of
X physical presence or ? online notarization, this 6th day of May, 2026, by Tara C. Early, the Authorized Agent of Early Law, P.A., who is personally known to me.
Print Name: Lori Alison Raffe
NOTARY PUBLIC
Serial number, if any:#HH 406668
May 20 & 27, 2026; Ad#12339067