PUBLIC NOTICE NOTICE OF FORECLOSURE Defa
Details
6/21/2026
shelbycountyreporter.com
Ad
Ad Text
PUBLIC NOTICE
NOTICE OF FORECLOSURE
Default having been made in the payment of the indebtedness secured by that certain mortgage dated November 15, 2021, executed by Sedrick L. Howard, Married, to Mortgage Electronic Registration Systems, Inc., solely as nominee for Northpointe Bank, its successors and assigns, which mortgage was recorded on November 16, 2021, in Instrument Number 20211116000549680, of the mortgage records in the Office of the Judge of Probate of Shelby County, Alabama, and which mortgage was duly transferred and assigned to U.S. Bank Trust National Association, not in its individual capacity but solely as Owner Trustee for RCAF Acquisition Trust, notice is hereby given that, pursuant to law and the power of sale contained in said mortgage, the undersigned will sell at public outcry to the highest bidder for cash in front of the Main Street entrance to the Shelby County Courthouse at Columbiana, Alabama, during the legal hours of sale on July 17, 2026, the following described real estate, situated in Shelby County, Alabama, to-wit:
Lot 266, according to the Survey of The Reserve at Timberline, Phase 3, as recorded in Map Book 38, Page 53, in the Office of the Judge of Probate of Shelby County, Alabama.
This sale is made for the purpose of paying the indebtedness secured by said mortgage as well as expenses of foreclosure. This property will be sold on an “as is, where is” basis, subject to any easements, encumbrances, and exceptions reflected in the mortgage and those contained in the records of the Office of the Judge of Probate of the county where the above-described property is situated. This property will be sold without warranty or recourse, expressed or implied, as to condition, title, use, and/or enjoyment, and will be sold subject to the right of redemption of all parties entitled thereto.
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 these rights and programs as a part of the foreclosure process.
The successful bidder must tender full funds at the conclusion of the sale in the form of a certified check made payable or endorsed to Padgett Law Group. 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. Padgett Law Group reserves the right to award the bid to the next highest bidders should the highest bidder fail to timely tender the total amount due.
U.S. BANK TRUST NATIONAL ASSOCIATION, NOT IN ITS INDIVIDUAL CAPACITY BUT SOLELY AS OWNER TRUSTEE FOR RCAF ACQUISITION TRUST
PADGETT LAW GROUP
6267 Old Water Oak Road, Ste. 203
Tallahassee, FL 32312
26-000104
Shelby County Reporter
June 21, 2026, June 28, 2026, July 5, 2026
The Shelby County Reporter:
June 21, 28 and July 5, 2026
26-000104^5678
NOTICE OF FORECLOSURE
Default having been made in the payment of the indebtedness secured by that certain mortgage dated November 15, 2021, executed by Sedrick L. Howard, Married, to Mortgage Electronic Registration Systems, Inc., solely as nominee for Northpointe Bank, its successors and assigns, which mortgage was recorded on November 16, 2021, in Instrument Number 20211116000549680, of the mortgage records in the Office of the Judge of Probate of Shelby County, Alabama, and which mortgage was duly transferred and assigned to U.S. Bank Trust National Association, not in its individual capacity but solely as Owner Trustee for RCAF Acquisition Trust, notice is hereby given that, pursuant to law and the power of sale contained in said mortgage, the undersigned will sell at public outcry to the highest bidder for cash in front of the Main Street entrance to the Shelby County Courthouse at Columbiana, Alabama, during the legal hours of sale on July 17, 2026, the following described real estate, situated in Shelby County, Alabama, to-wit:
Lot 266, according to the Survey of The Reserve at Timberline, Phase 3, as recorded in Map Book 38, Page 53, in the Office of the Judge of Probate of Shelby County, Alabama.
This sale is made for the purpose of paying the indebtedness secured by said mortgage as well as expenses of foreclosure. This property will be sold on an “as is, where is” basis, subject to any easements, encumbrances, and exceptions reflected in the mortgage and those contained in the records of the Office of the Judge of Probate of the county where the above-described property is situated. This property will be sold without warranty or recourse, expressed or implied, as to condition, title, use, and/or enjoyment, and will be sold subject to the right of redemption of all parties entitled thereto.
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 these rights and programs as a part of the foreclosure process.
The successful bidder must tender full funds at the conclusion of the sale in the form of a certified check made payable or endorsed to Padgett Law Group. 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. Padgett Law Group reserves the right to award the bid to the next highest bidders should the highest bidder fail to timely tender the total amount due.
U.S. BANK TRUST NATIONAL ASSOCIATION, NOT IN ITS INDIVIDUAL CAPACITY BUT SOLELY AS OWNER TRUSTEE FOR RCAF ACQUISITION TRUST
PADGETT LAW GROUP
6267 Old Water Oak Road, Ste. 203
Tallahassee, FL 32312
26-000104
Shelby County Reporter
June 21, 2026, June 28, 2026, July 5, 2026
The Shelby County Reporter:
June 21, 28 and July 5, 2026
26-000104^5678