814 Central Pl, Kalamazoo, MI 49008-1107

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 Kalamazoo County, starting promptly at 10:00 a.m., on April 9, 2026. 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. THIS FIRM IS A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT, ANY INFORMATION WILL BE USED FOR THAT PURPOSE. PLEASE CONTACT OUR OFFICE AT THE NUMBER BELOW IF YOU ARE IN ACTIVE MILITARY DUTY. Default has occurred in the conditions of a Mortgage (the "Mortgage") made by ROY MCCREE, an unmarried man, as Mortgagor(s), to Mortgage Electronic Registration Systems, Inc. (MERS) as nominee for Horizon Bank, as Mortgagee. The Mortgage is dated January 6, 2023 and was recorded January 19, 2023 as Instrument No. 2023-001594 of Kalamazoo County Records. The Mortgage was assigned by MERS to Horizon Bank by Assignment of Mortgage dated February 25, 2026, and recorded February 26, 2026 as Instrument No. 2026-004650 of Kalamazoo County Records. The amount claimed to be due on said Mortgage and unpaid at the date of this Notice is ONE HUNDRED THIRTY-SEVEN THOUSAND EIGHT HUNDRED EIGHTY-SEVEN AND 62/100 ($137,887.62) DOLLARS, including interest on the applicable indebtedness at a rate of 7.00% per annum. This sum will increase as additional interest, costs, expenses, and attorney fees accrue under the Mortgage and its related note and which are permitted under Michigan law after the date of this Notice. No legal or equitable proceedings have been instituted to recover the debt secured by the Mortgage, and the power of sale in the Mortgage has become operative by reason of the default. At the date and time as referenced previously in this Notice, the Mortgage will be foreclosed by a sale of the property herein described, or some part of them, at public auction, to the highest bidder, for the purpose of satisfying the amount due and unpaid on the Mortgage, along with interest due, the legal costs and charges of sale as allowed by statute and/or the Mortgage, and any taxes and insurance that the Mortgagee pays on or prior to the date of said sale. The property mentioned and described in the Mortgage, as located in the City of Kalamazoo, County of Kalamazoo, and State of Michigan, are more particularly described as follows: Commencing at a point on the West line of lot 6 of the Plat of Rice's Addition to the Village (now city) of Kalamazoo, according to the Plat thereof as recorded in Liber 1 of Plats, Page 5, 43 feet North of the Southwest corner of said lot; thence East, parallel to the South line of said lot to a point 10 feet West of the East line of said lot; thence North and parallel with the East line of said lot, 52 1/2 feet; thence West parallel with the South line of said lot to the West line thereof; thence South thereon 52 1/2 feet to the place of beginning. Together with a right of way in common with others to and from said premises over the way as now laid out and established 10 feet wide East and West abutting said premises on the East for the laying of pipes, wires and lines, and for ingress and egress with vehicles and on foot to and from said premises to the public highway; Address: 814 Central Pl., Kalamazoo, MI 49008; Tax Parcel No.: 39-06-21-283-001. together with all existing or subsequently erected or affixed buildings, improvements, and fixtures; all easements, rights of way, streets, roads, alleys, and public places, privileges, and appurtenances, public or private, now or later used in connection with the premises; and all rights to make divisions of the land that are exempt from the platting requirements of all applicable land division or platting acts, as amended from time to time. Attention Purchasers: the foreclosing Mortgagee reserves the right to cancel the sale prior to sale or to rescind this sale at any time. In that event, your damages, if any, will be limited solely to the return of the bid amount tendered at the sale, plus interest. If the mortgaged property is sold at foreclosure sale under Chapter 32 of the Revised Judicature Act of 1961, 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 damaging the property during the redemption period. 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. The length of the redemption period will be six (6) months from date of sale, unless the redemption period is shortened pursuant to MCL 600.3241a or MCL 600.3238, in which case the redemption period shall be 30 days from the date of sale or as otherwise provided by statute. DATED: March 6, 2026 ANDREW W. BARNES (P70571) BUTZEL LONG P.C. ATTORNEYS FOR HORIZON BANK 317 Center Street South Haven, MI 49090 269-287-2010 (03-06)(03-27)