4081 Coyer Ln, Bay City, MI 48706

NOTICE OF MORTGAGE FORECLOSURE SALE Notice of foreclosure by advertisement. Notice is given under section 3212 of the revised judicature act of 1961, 1961 PA 236, MCL 600.3212, that the following Mortgage will be foreclosed by a sale of the mortgaged premises, or some part of them, at a public auction sale to the highest bidder for cash or cashier’s check at the place of holding the circuit court in Bay County, starting promptly at 11:00 AM, on January 15, 2027. The amount due on the Mortgage may be greater on the day of the sale. Placing the highest bid at the sale does not automatically entitle the purchaser to free and clear ownership of the property. A potential purchaser is encouraged to contact the county register of deeds office or a title insurance company, either of which may charge a fee for this information. Default has been made in the conditions of a Mortgage made by Devona Michalski-Guzdial and Tyler Guzdial to Horizon Bank dated November 6, 2018 and recorded November 8, 2018 as Instrument No. 201815366, Bay County, Michigan. Said Mortgage is now held by Freedom Mortgage Corporation by assignment and/or merger. There is claimed to be due at the date hereof the sum of $120,891.39. Said premises are located in Bay County, Michigan and are described as: Situated in the Township of Bangor, Bay County, Michigan: Parcel 1: The East 100 feet of the West 845.6 feet of the North 200 feet of the West 1/2 of the North 1/2 of the South 30 acres of the North 60 acres of the South 1/2 of the Northwest 1/4 of Section 9, Town 14 North, Range 5 East. Together with and subject to an easement for ingress and egress over the following described property: The West 845.6 feet of the West 1/2 of the North 1/2 of the South 30 acres of the North 60 acres of the South 1/2 of the Northwest 1/4 of Section 9, Town 14 North, Range 5 East. EXCEPT the North 200.00 feet thereof. Parcel 2: A parcel of land in the Northwest 1/4 of Section 9, Town 14 North, Range 5 East, described as follows: To fix the point of beginning commence at the West 1/4 corner of Section 9; thence North 00°59’00” West, on the West line of said Section, 619.77 feet; thence North 87°30’30” East on the North line of Coyer Lane and the Westerly extension thereof, 845.89 feet to the point of beginning of this description; thence North 00°59’00” West, on a line which is parallel with and 845.60 feet, measured at right angles, Easterly of said West Section line, 204.54 feet to a point on the South line of Longacres, as per plat thereof recorded in Liber 7 of Plats, Page 10 of Bay County Records; thence North 87º23’32” East, on said South line of Longacres, 75.03 feet; thence South 00°59’00” East, on a line which is parallel with and 920.60 feet, measured at right angles, Easterly of said West Section line, 204.69 feet to a point on said North line of Coyer Lane; thence South 87º30’30” West, on said North line of Coyer Lane, 75.03 feet to the point of beginning. Together with an easement for ingress and egress over, under and across the following described parcel of land: Commencing at the previously defined point of beginning; thence North 07°30’30” East, 75.03 feet; thence South 00°59’00” East, on a line which is parallel with and 920.60 feet, measured at right angles, Easterly of the West line of Section 9, Town 14 North, Range 5 East, 45.02 feet; thence South 87º30’30” West, 75.03 feet; thence North 00°59’00” West, on a line which is parallel with and 845.60 feet, measured at right angles, Easterly of said West Section line, 45.02 feet to the point of beginning. For Informational Purposes: More Commonly known as: 4081 Coyer Ln, Bay City, MI, 48706 For Informational Purposes: Tax Code Number: 010-009-100-050-00 Said property is commonly known as 4081 Coyer Ln, Bay City, MI 48706. The redemption period shall be 6 months from the date of such sale, unless determined abandoned in accordance with MCLA 600.3241a, in which case the redemption period shall be 30 days from the date of such sale. If the property is sold at foreclosure sale, pursuant to MCL 600.3278, the borrower will be held responsible to the person who buys the property at the mortgage foreclosure sale or to the mortgage holder for damage to the property during the redemption period. TO ALL PURCHASERS: The foreclosing mortgagee can rescind the sale. In that event, your damages, if any, are limited solely to the return of the bid amount tendered at sale, plus interest. Please be advised that any third party purchaser is responsible for preparing and recording the Sheriff’s Deed. If this is a residential Mortgage, the following shall apply: ATTENTION HOMEOWNER: If you are a military service member on active duty, if your period of active duty has concluded less than 90 days ago, or if you have been ordered to active duty, please contact the attorney for the party foreclosing the Mortgage at the telephone number stated in this notice. THIS COMMUNICATION IS FROM A DEBT COLLECTOR. THIS IS AN ATTEMPT TO COLLECT A DEBT, AND ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. IF YOU: ARE A DEBTOR IN AN ACTIVE BANKRUPTCY CASE; ARE UNDER THE PROTECTION OF A BANKRUPTCY STAY; OR, HAVE RECEIVED A DISCHARGE IN BANKRUPTCY AND YOU HAVE NOT REAFFIRMED THE DEBT, THIS NOTICE IS FOR INFORMATIONAL PURPOSES ONLY AND SHOULD NOT BE CONSTRUED AS AN ATTEMPT TO COLLECT A DEBT FROM YOU PERSONALLY. Dated: October 22, 2026 Attorney for the party foreclosing the Mortgage: Thomas E. McDonald (P39312) Brock & Scott, PLLC 5431 Oleander Drive Wilmington, NC 28403; PHONE: 844-856-6646; File No. 26-21069. (10-28)(11-18) 43-4
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