PUBLIC NOTICE MORTGAGE FORECLOSURE SALE
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5/24/2026
shelbycountyreporter.com
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PUBLIC NOTICE
MORTGAGE FORECLOSURE SALE
Default having been made in the payment of the indebtedness secured by that certain mortgage executed by Keith J Smith to Mortgage Electronic Registration Systems, Inc., as nominee for Bank of America, N.A. its successors and assigns, dated July 13, 2011, said mortgage recorded in the Office of the Judge of Probate of Shelby County, Alabama, in Instrument Number20110714000205370. Said mortgage was subsequently sold, assigned and transferred to BANK OF AMERICA, N.A. Under and by virtue of the power of sale contained in said mortgage, the undersigned, BANK OF AMERICA, N.A., will sell at public outcry to the highest bidder for cash, in front of the main entrance of the Courthouse in Shelby County, Alabama on July 17, 2026, during the legal hours of sale, all of its right, title, and interest in and to the following describe real estate situated in Shelby County, Alabama, to-wit:
LOT 141, ACCORDING TO THE SURVEY OF POLO CROSSINGS, SECTOR 1, AS RECORDED IN MAP BOOK 39, PAGE 41 IN THE PROBATE OFFICE OF SHELBY COUNTY, ALABAMA.
Property Street Address for Informational Purposes: 228 Polo Downs Chelsea AL 35043
Said property will be sold “AS IS”. NO REPRESENTATION OR WARRANTY, EXPRESSED OR IMPLIED, IS MADE AS TO THE TITLE OF SAID PROPERTY. Said property is subject to any title deficiencies including but not limited to: any outstanding ad valorem taxes - including taxes which are a lien but not yet due and payable, federal tax liens any matters which might be disclosed by an accurate survey and inspection of the property, any assessments liens, encumbrances, zoning ordinances, restrictions, covenants, and matters of record superior to the Mortgage first set out above. Said property will be sold subject to the right of redemption of all parties entitled thereto. The highest bidder must tender the total amount of the winning bid in certified funds at the time and place of sale. Alabama law gives some persons who have an interest in property the right to redeem the property under certain circumstances. Programs may also exist that help persons avoid or delay the foreclosure process. An attorney should be consulted to help you understand the rights and programs as a part of the foreclosure process.
This sale will be made for the purpose of paying the same and all expenses of this sale, as provided in said Mortgage and by Alabama law. This sale is subject to postponement or cancellation.
Please be advised that the foreclosing mortgagee or its authorized agent will require any entity or trust bidder at this foreclosure sale to provide beneficial ownership information, documentation, and written certification as required under FinCEN’s Anti-Money Laundering Regulations for Residential Real Estate Transfers, effective for transfers to covered transferees closing on or after March 1, 2026. This requirement applies where the purchaser is a legal entity (including an LLC, corporation, or partnership) or a trust, and the transfer is not financed by an institutional lender subject to existing anti-money laundering requirements. The required information and certification must be provided prior to issuance of the foreclosure deed upon sale. No foreclosure deed will be issued for a covered transfer until all required FinCEN information has been received and certified. Additional information regarding these regulations and required transferee disclosures can be found at:
https://www.fincen.gov/rre and https://www.fincen.gov/rre-faqs
**This is an attempt to collect a debt and any information obtained may be used for that purpose.**
BANK OF AMERICA, N.A., Mortgagee or Transferee
The public sale provided for here in above was postponed on 05/28/26, by public announcement being made at the main entrance of the Courthouse in Shelby, Alabama, during the legal hours of sale. The foreclosure sale described hereinabove shall be held on the 07/17/26 at the main entrance of the Shelby Courthouse, during the legal hours of sale.
ALAW
420 North 20th Street, Suite 2249
Birmingham, AL 35203
Attorney for Mortgagee/Transferee
25-018616
Shelby County Reporter:
May 24, 31 and June 7, 2026
25-018616
MORTGAGE FORECLOSURE SALE
Default having been made in the payment of the indebtedness secured by that certain mortgage executed by Keith J Smith to Mortgage Electronic Registration Systems, Inc., as nominee for Bank of America, N.A. its successors and assigns, dated July 13, 2011, said mortgage recorded in the Office of the Judge of Probate of Shelby County, Alabama, in Instrument Number20110714000205370. Said mortgage was subsequently sold, assigned and transferred to BANK OF AMERICA, N.A. Under and by virtue of the power of sale contained in said mortgage, the undersigned, BANK OF AMERICA, N.A., will sell at public outcry to the highest bidder for cash, in front of the main entrance of the Courthouse in Shelby County, Alabama on July 17, 2026, during the legal hours of sale, all of its right, title, and interest in and to the following describe real estate situated in Shelby County, Alabama, to-wit:
LOT 141, ACCORDING TO THE SURVEY OF POLO CROSSINGS, SECTOR 1, AS RECORDED IN MAP BOOK 39, PAGE 41 IN THE PROBATE OFFICE OF SHELBY COUNTY, ALABAMA.
Property Street Address for Informational Purposes: 228 Polo Downs Chelsea AL 35043
Said property will be sold “AS IS”. NO REPRESENTATION OR WARRANTY, EXPRESSED OR IMPLIED, IS MADE AS TO THE TITLE OF SAID PROPERTY. Said property is subject to any title deficiencies including but not limited to: any outstanding ad valorem taxes - including taxes which are a lien but not yet due and payable, federal tax liens any matters which might be disclosed by an accurate survey and inspection of the property, any assessments liens, encumbrances, zoning ordinances, restrictions, covenants, and matters of record superior to the Mortgage first set out above. Said property will be sold subject to the right of redemption of all parties entitled thereto. The highest bidder must tender the total amount of the winning bid in certified funds at the time and place of sale. Alabama law gives some persons who have an interest in property the right to redeem the property under certain circumstances. Programs may also exist that help persons avoid or delay the foreclosure process. An attorney should be consulted to help you understand the rights and programs as a part of the foreclosure process.
This sale will be made for the purpose of paying the same and all expenses of this sale, as provided in said Mortgage and by Alabama law. This sale is subject to postponement or cancellation.
Please be advised that the foreclosing mortgagee or its authorized agent will require any entity or trust bidder at this foreclosure sale to provide beneficial ownership information, documentation, and written certification as required under FinCEN’s Anti-Money Laundering Regulations for Residential Real Estate Transfers, effective for transfers to covered transferees closing on or after March 1, 2026. This requirement applies where the purchaser is a legal entity (including an LLC, corporation, or partnership) or a trust, and the transfer is not financed by an institutional lender subject to existing anti-money laundering requirements. The required information and certification must be provided prior to issuance of the foreclosure deed upon sale. No foreclosure deed will be issued for a covered transfer until all required FinCEN information has been received and certified. Additional information regarding these regulations and required transferee disclosures can be found at:
https://www.fincen.gov/rre and https://www.fincen.gov/rre-faqs
**This is an attempt to collect a debt and any information obtained may be used for that purpose.**
BANK OF AMERICA, N.A., Mortgagee or Transferee
The public sale provided for here in above was postponed on 05/28/26, by public announcement being made at the main entrance of the Courthouse in Shelby, Alabama, during the legal hours of sale. The foreclosure sale described hereinabove shall be held on the 07/17/26 at the main entrance of the Shelby Courthouse, during the legal hours of sale.
ALAW
420 North 20th Street, Suite 2249
Birmingham, AL 35203
Attorney for Mortgagee/Transferee
25-018616
Shelby County Reporter:
May 24, 31 and June 7, 2026
25-018616