SUBSTITUTE TRUSTEE’S NOTICE OF FORECLOSURE SALE
Default having been made in the terms, conditions, and payments provided in a certain Deed of Trust dated AUGUST 1, 2023, executed by TIMOTHY S. TOWNSEND AND TAMARA A. TOWNSEND, A HUSBAND AND WIFE, to CHARLES E. TONKIN II, Trustee, of record in RECORD BOOK 507, PAGE 633, for the benefit of MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC., AS NOMINEE FOR MORTGAGE INVESTORS GROUP, in the Register’s Office for CHESTER County, Tennessee and to J. PHILLIP JONES AND/OR JESSICA D. BINKLEY, either of whom may act, appointed as Substitute Trustee in an instrument of record in the Register’s Office for CHESTER County, Tennessee, to secure the indebtedness described; WHEREAS, the said Deed of Trust was last assigned to TENNESSEE HOUSING DEVELOPMENT AGENCY, the entire indebtedness having been declared due and payable by TENNESSEE HOUSING DEVELOPMENT AGENCY, being the present owner/holder or authorized agent, designee or servicer of the holder/owner of said indebtedness, has requested foreclosure proceedings to be instituted; and as provided in said Deed of Trust, I, J. PHILLIP JONES/ JESSICA D. BINKLEY, will by virtue of the power and authority vested in me as Substitute Trustee, on TUESDAY, JUNE 16, 2026 AT 10:00 A.M., LOCAL TIME AT THE MAIN ENTRANCE STEPS OF THE CHESTER COUNTY COURTHOUSE IN HENDERSON, CHESTER COUNTY, TENNESSEE, sell to the highest bidder for cash, free from the equity of redemption, homestead, and dower, and all other exemptions which are expressly waived, and subject to any unpaid taxes, if any, the following described property in CHESTER County, Tennessee, to wit:
PROPERTY LOCATED IN THE COUNTY OF CHESTER, TENNESSEE:
BEGINNING at a stake in the western margin of Galbraith Avenue Extended, at a point 25 feet west of the center line of the same and the southeast corner of the lot of Clifton Rhodes; runs thence north with the western margin of Galbraith Avenue Extended 86 feet to a stake at the southeast corner of the severance line of the said Joe Holder and wife, Jean Holder; runs thence with the severance line of the said Joe Holder and wife, Jean Holder, 169 feet to a stake; runs thence south with the east line of a tract formerly owned by Wamble, 86 feet to a stake at the northwest corner of said Clifton Rhodes; runs thence east with the north line of said Clifton Rhodes, 169 feet to the place of beginning. Said legal description is the same description as contained in the previous deed of record.
BEING THE SAME PROPERTY CONVEYED TO TIMOTHY S. TOWNSEND AND WIFE, TAMARA A. TOWNSEND, BY WARRANTY DEED DATED JULY 27, 2023 AND RECORDED IN RECORD BOOK 507, PAGE 630, REGISTER’S OFFICE FOR CHESTER COUNTY, TENNESSEE.
THIS IS IMPROVED PROPERTY KNOWN AS 553 GALBRAITH AVENUE, HENDERSON, TN 38340
MAP 033L E 008.00
THE SALE OF THE SUBJECT PROPERTY IS WITHOUT WARRANTY OF ANY KIND, AND IS FURTHER SUBJECT TO THE RIGHT OF ANY TENANT(S) OR OTHER PARTIES OR ENTITIES IN POSSESSION OF THE PROPERTY. ANY REPRESENTATION CONCERNING ANY ASPECT OF THE SUBJECT PROPERTY BY A THIRD PARTY IS NOT THE REPRESENTATION/RESPONSIBILITY OF TRUSTEE(S)/ SUBSTITUTE TRUSTEE(S) OR THEIR OFFICE.
THIS SALE IS SUBJECT TO ANY UNPAID TAXES, IF ANY, ANY PRIOR LIENS OR ENCUMBRANCES LEASES, EASEMENTS AND ALL OTHER MATTERS WHICH TAKE PRIORITY OVER THE DEED OF TRUST UNDER WHICH THIS FORECLOSURE SALE IS CONDUCTED, INCLUDING BUT NOT LIMITED TO THE PRIORITY OF ANY FIXTURE FILING. IF THE U.S. DEPARTMENT OF THE TREASURY/ INTERNAL REVENUE SERVICE, THE STATE OF TENNESSEE DEPARTMENT OF REVENUE, OR THE STATE OF TENNESSEE DEPARTMENT OF LABOR AND WORK FORCE DEVELOPMENT ARE LISTED AS INTERESTED PARTIES IN THE ADVERTISEMENT, THEN THE NOTICE OF THIS FORECLOSURE IS BEING GIVEN TO THEM, AND THE SALE WILL BE SUBJECT TO ALL APPLICABLE GOVERNMENTAL ENTITIES RIGHT TO REDEEM THE PROPERTY, ALL AS REQUIRED BY 26 U.S.C. 7425, T.C.A. 67-1-1433, AND 28 U.S.C. 2410 (C). THE NOTICE REQUIREMENTS OF T.C.A. 35-5-101 ET SEQ. HAVE BEEN MET.
THE RIGHT IS RESERVED TO ADJOURN THE DAY OF THE SALE TO ANOTHER DAY, TIME AND PLACE CERTAIN WITHOUT FURTHER PUBLICATION, UPON ANNOUNCEMENT AT THE TIME AND PLACE FOR THE SALE SET FORTH ABOVE. THE TRUSTEE/SUBSTITUTE TRUSTEE RESERVES THE RIGHT TO RESCIND THE SALE
IF YOU PURCHASE A PROPERTY AT THE FORECLOSURE SALE, THE ENTIRE PURCHASE PRICE IS DUE AND PAYABLE AT THE CONCLUSION OF THE AUCTION IN THE FORM OF A CERTIFIED/BANK CHECK MADE PAYABLE TO OR ENDORSED TO LAW OFFICE OF J. PHILLIP JONES. NO PERSONAL CHECKS WILL BE ACCEPTED. TO THIS END, YOU MUST BRING SUFFICIENT FUNDS TO OUTBID THE LENDER AND ANY OTHER BIDDERS. INSUFFICIENT FUNDS WILL NOT BE ACCEPTED. AMOUNTS RECEIVED IN EXCESS OF THE WINNING BID WILL BE REFUNDED TO THE SUCCESSFUL PURCHASER AT THE TIME THE FORECLOSURE DEED IS DELIVERED.
Non-bank successful bidders will be required to provide information required by the Financial Crimes Enforcement Network (FinCen) before the deed will be delivered. The information includes, but is not limited to, full legal name, a tax identification number, date of birth, complete current residential street address for the beneficial owner(s) of the foreclosed property.
OTHER INTERESTED PARTIES: MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC., AS NOMINEE FOR MORTGAGE INVEESTORS GROUP – SERVICER, TENNESSEE HOUSING DEVELOPMENT AGENCY.
THIS IS AN ATTEMPT TO COLLECT A DEBT AND ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE.
This is improved property known as 553 GALBRAITH AVENUE,. HENDERSON, TN 38340.
THIRD-PARTY INTERNET POSTING WEBSITE: www.foreclosurestn.com
J. PHILLIP JONES/JESSICA D. BINKLEY SUBSTITUTE TRUSTEE
1800 HAYES STREET
NASHVILLE, TN 37203
(615) 254-4430
www.phillipjoneslaw.com
www.williamsauction.com
F26-0078
