November 10, 2018 12:30 a.m.
NOTICE OF TRUSTEE'S SALE To be sold for cash at a Trustee's Sale on February 27, 2019, 10:00 AM at the Veteran's Memorial Plaza North Entrance Admin Building, 451 N. Government Way, Coeur d'Alene, ID 83815, the following described real property situated in Kootenai County, State of Idaho ("Real Property"): A portion of Block 39 of Amended Plat of the Sherman Addition to Coeur d'Alene as filed at Page 77, Book B, records of Kootenai County, in the Southwest Quarter of Section 12, Township 50 North, Range 4 West, Boise Meridian, Kootenai County, State of Idaho, more particularly described as follows: Commencing at a steel pin at the Southeast corner of Block 38 of said Plat; thence South 00°08'47" East, 60.00 feet to a steel pin on the Westerly right of way of 2nd Street and on the Southerly right of way of Walnut Avenue, said point being the point of beginning; thence Southerly along said Westerly right of way, South 00°08'47" East, 100.00 feet; thence Leaving said Westerly right of way, South 89°58'53" West, 55.62 feet; thence North 00°08'47" West, 100.00 feet to a point on said Southerly right of way; thenceEasterly along said Southerly right of way, North 89°58'15" East, 55.62 feet to the point of beginning Commonly known as: 124 East Walnut Avenue, Coeur d'Alene, ID 83814 Nathan S. Schmidt, as Trustor conveyed Real Property via a Trust Deed dated May 9, 2007, in favor of Mortgage Electronic Registration Systems, Inc. as nominee for First Horizon Home Loan Corporation, its successors and assigns as Beneficiary, in which Kootenai County Title Company was named as Trustee. The Trust Deed was recorded in Kootenai County, Idaho, on May 15, 2007, as Instrument No. 2099797000, of Official Records. The Deed of Trust was assigned for value as follows: Assignee: Wilmington Savings Fund Society, FSB, d/b/a Christiana Trust, as owner trustee of behalf of CSMC 2017- RPL2 Trust Assignment Dated: January 11, 2018 Assignment Recorded: January 11, 2018 Assignment Recording Information: Instrument No. 2627688000 Shelly M. Espinosa is the Successor Trustee pursuant to a Substitution of Trustee recorded in the office of the Clerk and Recorder of Kootenai, State of Idaho on October 3, 2018 at Instrument No. 2664217000, of Official Records. The Beneficiary has declared a default in the terms of said Deed of Trust due to Trustor failure to make monthly payments beginning September 1, 2017, and each month subsequent, which monthly installments would have been applied on the principal and interest due on said obligation and other charges against the property or loan. By reason of said default, the Beneficiary has declared all sums owing on the obligation secured by said Trust Deed immediately due and payable. The total amount due on this obligation is the principal sum of $171,592.79, interest in the sum of $7,453.93, escrow advances of $1,819.93, other amounts due and payable in the amount of $1,064.72, for a total amount owing of $181,931.37, plus accruing interest, late charges, and other fees and costs that may be incurred or advanced. The Beneficiary anticipates and may disburse such amounts as may be required to preserve and protect the property and for real property taxes that may become due or delinquent, unless such amounts of taxes are paid by the Trustor. If such amounts are paid by the Beneficiary, the amounts or taxes will be added to the obligations secured by the Deed of Trust. Other expenses to be charged against the proceeds of this sale include the Trustee's fees and attorney's fees, costs and expenses of the sale, and late charges, if any. Beneficiary has elected, and has directed the Trustee to sell the above described property to satisfy the obligation. The sale is a public sale and any person, including the Beneficiary, may bid at the sale. The bid price must be paid immediately upon the close of bidding in cash or cash equivalents (valid money orders, certified checks or cashier's checks). The conveyance will be made by Trustee's Deed, without any representation or warranty, including warranty of title, express or implied, as the sale is made strictly on an as-is, where-is basis, without limitation, the sale is being made subject to all existing conditions, if any, of lead paint, mold or other environmental or health hazards. The Trustor, successor in interest to the Trustor, or any other person having an interest in the property, or any person named in IRC § 45-1506, has the right, at any time prior to the Trustee's Sale, to pay to the Beneficiary, or the successor in interest to the Beneficiary, the entire amount then due under the Deed of Trust and the obligation secured thereby (including costs and expenses actually incurred and attorney's fees) other than such portion of the principal as would not then be due had no default occurred and by curing any other default complained of herein that is capable of being cured by tendering the performance required under the obligation or to cure the default, by paying all costs and expenses actually incurred in enforcing the obligation and Deed of Trust with Successor Trustee's and attorney's fees. In the event that all defaults are cured the foreclosure will be dismissed and the foreclosure sale will be canceled. The scheduled Trustee's Sale may be postponed by public proclamation up to 30 days for any reason. If the Trustee is unable to convey title for any reason, the successful bidder's sole and exclusive remedy shall be the return of monies paid to the Successor Trustee and the successful bidder shall have no further recourse. The above Trustor are named to comply with IRC § 45-1506(4)(a). No representation is made that they are, or are not, presently responsible for this obligation. This is an attempt to collect a debt and any information obtained will be used for that purpose. Dated this 16th day of October, 2018. Shelly M. Espinosa Substitute Trustee 376 East 400 South, Suite 300, Salt Lake City, UT 84111 Telephone: 801-355-2886 Office Hours: Mon.-Fri., 8AM-5PM (MST) File No. 53532 CDA LEGAL 526 AD# 237852 OCTOBER 20, 27, NOVEMBER 3, 10, 2018