Trustee's notice of sale due to payment default.

TS No. OR08000170-25-1 APN R42144 | 26-04W-15B-00101 TO No 92655020 TRUSTEE'S NOTICE OF SALE Reference is made to that certain Trust Deed made by, JOHN MICHEL AND KIMBERLY EILLEEN MICHEL, AS TENANTS BY THE ENTIRETY as Grantor to FIRST AMERICAN TITLE INSURANCE COMPANY as Trustee, in favor of MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC. (MERS), as designated nominee for CITADEL SERVICING CORPORATION, Beneficiary of the security instrument, its successors and assigns, dated as of February 6, 2020 and recorded on February 11, 2020 as Instrument No. 2020-003366 and the beneficial interest was assigned to Wilmington Savings Fund Society, FSB, not in its individual capacity, but solely as Trustee of MFA 2021-NQM1, and recorded December 29, 2025 as Instrument Number 2025-014657 of official records in the Office of the Recorder of Douglas County, Oregon to-wit: APN: R42144 | 26-04W-15B-00101 Parcel 1 Of Land Partition No. 1996-0008, As Recorded In "Record Of Partition Plats", Deed Records Of Douglas County, Oregon, Recorder`S No. 96-01349. Also, Those Portions Of Parcel No. 2 Of Land Partition No. 1996-0008 As Recorded In Instrument No. 96-1349 Of The Records Of Douglas County, Oregon Being Described As Follows: Beginning At A 5/8 Inch Iron Rod At The Northeast Corner Of Parcel 1 Of Said Land Partition No. 1996-0008 From Which A Brass Capped Iron Pipe At The Quarter Corner Common To Sections 10 And 11 Of Township 26 South, Range 4 West, Willamette Meridian, Douglas County, Oregon, Bears North 28° 28` 37" East 4571.02 Feet; Thence North 62° 49` 28" West Along The North Line Of Said Parcel 1, 125.03 Feet To A 5/8 Inch Iron Rod; Thence North 50° 25` 03" East 56.31 Feet To A 5/8 Inch Iron Rod; Thence South 36° 06` 39" East 115.09 Feet To The Point Of Beginning. Also, Beginning At A 5/8 Inch Iron Rod On The West Line Of Said Parcel 1 From Which A Brass Capped Iron Pipe At The Quarter Corner Common To Sections 10 And 11 Of Township 26 South, Range 4 West, Willamette Meridian, Douglas County, Oregon, Bears North 30° 18` 52" East 4812.45 Feet; Thence North 15° 40` 28" West 21.08 Feet To A 5/8 Inch Iron Rod; Thence 45.03 Feet Along The Arc Of A 58.70 Foot Radius Curve To The Right (The Long Cord Of Which Bears North 06° 17` 59" East 43.93 Feet) To A 5/8 Inch Iron Rod; Thence 83.72 Feet Along The Arc Of A 200.00 Foot Radius Curve To The Right) The Long Cord Of Which Bears North 40° 15` 56" East 83.11 Feet) To A 5/8 Inch Iron Rod; Thence North 52° 15` 26" East 8.44 Feet To A Point On Said West Line; Thence South 24° 10` 56" West 145.29 Feet To The Point Of Beginning. Excepting Therefrom That Portion Of Parcel 1 Of Land Partition No. 1996-0008 As Recorded In Instrument No. 96-1349 Of The Records Of Douglas County, Oregon Being Described As Follows: Beginning At A 5/8 Inch Iron Rod At The Northwest Corner Of Said Parcel 1 From Which A Brass Capped Iron Pipe At The Quarter Corner Common To Sections 10 And 11 Of Township 26 South, Range 4 West, Willamette Meridian, Douglas County, Oregon, Bears North 30° 38` 09" East 4578.19 Feet; Thence South 62° 49` 28" East Along The North Line Of Said Parcel 1, 47.47 Feet To A 5/8 Inch Iron Rod; Thence South 52° 15` 26" West 99.69 Feet To A Point On The West Line Of Said Parcel 1; Thence North 24° 10` 56" East 35.54 Feet To A 5/8 Inch Iron Rod; Thence North 23° 40` 13" East 54.90 Feet To The Point Of Beginning. Commonly known as: 562 HUNTLEY CREEK LANE, ROSEBURG, OR 97470 Both the Beneficiary, Wilmington Savings Fund Society, FSB, not in its individual capacity, but solely as Trustee of MFA 2021-NQM1 Trust, and the Trustee, Nathan F. Smith, OSB #120112, have elected to sell the said real property to satisfy the obligations secured by said Trust Deed and notice has been recorded pursuant to Section 86.752(3) of Oregon Revised Statutes. The default for which the foreclosure is made is the Grantors failure to pay: Failed to pay payments which became due Total Payment(s): Total Payment(s) from 08/01/2025 to 04/10/2026 at $40,170.61 Total Late Charge(s): Total Late Charge(s) at $1,306.34 By this reason of said default the Beneficiary has declared all obligations secured by said Trust Deed immediately due and payable, said sums being the following, to-wit: The sum of $437,557.47 together with interest thereon at the rate of 7.00000% per annum from July 1, 2025 until paid; plus all accrued late charges thereon; and all Trustees fees, foreclosure costs and any sums advanced by the Beneficiary pursuant to the terms of said Trust Deed. Wherefore, notice is hereby given that, the undersigned Trustee will on August 17, 2026 at the hour of 10:00 AM, Standard of Time, as established by Section 187.110, Oregon Revised Statues, inside the main lobby of the Douglas County Courthouse, 1036 SE Douglas St, Roseburg, OR 97470 County of Douglas, sell at public auction to the highest bidder for cash the interest in the said described real property which the Grantor had or had power to convey at the time of the execution by him of the said Trust Deed, together with any interest which the Grantor or his successors in interest acquired after the execution of said Trust Deed, to satisfy the foregoing obligations thereby secured and the costs and expenses of sale, including a reasonable charge by the Trustee. Notice is further given that any person named in Section 86.778 of Oregon Revised Statutes has the right to have the foreclosure proceeding dismissed and the Trust Deed reinstated by payment to the Beneficiary of the entire amount then due (other than such portion of said principal as would not then be due had no default occurred), together with the costs, Trustees or attorneys fees and curing any other default complained of in the Notice of Default by tendering the performance required under the obligation or Trust Deed, at any time prior to five days before the date last set for sale. Without limiting the Trustees disclaimer of representations or warranties, Oregon law requires the Trustee to state in this notice that some residential property sold at a Trustees sale may have been used in manufacturing methamphetamines, the chemical components of which are known to be toxic. Prospective purchasers of residential property should be aware of this potential danger before deciding to place a bid for this property at the Trustees sale. In construing this notice, the masculine gender includes the feminine and the neuter, the singular includes plural, the word Grantor includes any successor in interest to the Grantor as well as any other persons owing an obligation, the performance of which is secured by said Trust Deed, the words Trustee and Beneficiary includes their respective successors in interest, if any. Effective March 1, 2026, new federal regulations (89 Fed. Reg. 70.258) may impact residential real property (1-4 residential units) title transfers to covered entities trusts, with reporting requirements unless exempt. https://www.federalregister.gov/documents/2024/08/29/2024-19198/anti-money-laundering-regulations-for-residential-real-estate-transfers Dated: 04/02/2026 By: Nathan F. Smith, OSB #120112 Successor Trustee Malcolm & Cisneros, A Law Corporation Attention: Nathan F. Smith, OSB #120112 c/o TRUSTEE CORPS 17100 Gillette Ave, Irvine, CA 92614 949-252-8300 NPP0487715 To: NEWS REVIEW (DOUGLAS) 05/06/2026, 05/13/2026, 05/20/2026, 05/27/2026
Pub 102002 Dates: May 6, 13, 20 and 27, 2026