The undersigned Substitute Trustee, by virtue of the authority vested in her by that certain Deed of Trust executed by and between LEE A. FINLEY, ("Borrower"), and ALAN R. TERRY and CARL W. ROOP (First Trustees), and PIONEER COMMUNITY BANK, INC., ("Lender"), dated the 4th day of June, 2009, and of record in the Office of the Clerk of the Raleigh County Commission in Raleigh County, West Virginia, in Trust Deed Book 5035, at Page 9202. Whereas, said Lender having nominated and appointed ANNA R. ZIEGLER, ROBERT A. GARDNER, DAVID L. ZIEGLER, and the law firm of Ziegler & Ziegler, L.C., any one of whom may act, ("Substitute Trustees"), by Substitution of Trustee dated August 29, 2025, and of record in the aforesaid Clerk's Office in Book 5086 at Page 4413. Said Deed of Trust being presently in default, the said Substitute Trustees having been requested by the beneficiary thereof so to do, NOW, THEREFORE, we, ANNA R. ZIEGLER, ROBERT A. GARDNER, DAVID L. ZIEGLER, and the law firm of Ziegler & Ziegler, L.C., Substitute Trustees as aforesaid, will proceed to sell the hereafter described real estate at public auction on the 3rd day of December, 2025, at the hour of 11:00 a.m., to the highest bidder for cash in hand, 10% down the day of the auction, remainder due within 30 days of the sale, at the front door of the Courthouse of Raleigh County, West Virginia, which real estate is located on the waters of Soak Creek, Slab Fork District, Raleigh County, West Virginia, and is more particularly described as follows:
BEGINNING at a stone near a bridge on the southern side of State Highway No. 12; thence along the line of said highway S. 89° W. 107 feet to a stone; thence leaving the high-way (with old line) S. 16° 00' E. 358 feet to a stone on edge of roadway; thence along the western line of said roadway, which is mentioned in deed from J. W. Maxwell, Special Commissioner, to Opal Cook, recorded in the Office of the Clerk of the County Court of Raleigh County, West Virginia, in Deed Book No. 107, at page 477, and the courses and the distance being N. 2° 00' E. 345 feet to the place of the BEGINNING, containing 18,600 square feet, more or less.
AND BEING the same property conveyed unto Lee A. Finley from Marshall Edward Jenkins and Brenda Joyce Jenkins Cole, brother and sister, by deed dated May 14, 2009, and of record in the Office of the Clerk of the Raleigh County Commission in Deed Book 5035 at Page 9201.
THIS SALE IS MADE subject to such easements, rights-of-ways, restrictive covenants, reservations and agreements as are contained and set forth in prior deeds of conveyance pertaining to said real estate.
SAID SALE SHALL BE SUBJECT TO THE FOLLOWING
CONDITIONS:
1) 10% of the successful bid shall be paid by the successful bidder unto the Substitute Trustee(s) the day of sale, by cash or certified funds. The balance of said bid shall be due via certified funds unto the Substitute Trustee(s) within 30 days of the sale.
2) Subject to any and all mineral rights and reservations, stipulations, restrictions, reservations, easements, conditions and covenants contained in all former conveyances of the subject property or appearing of record in the aforesaid Clerk's Office except any pertaining to race, color or creed.
3) Subject to all real estate taxes against said property and any taxes which constitute a lien upon the said property but which are not yet due and payable.
4) The subject property will be sold in AS IS condition. The trustee shall be under no duty to cause any existing tenant or person occupying the subject property to vacate said property.
5) The property will be conveyed by the undersigned Trustee(s) to the purchaser without warranty of any kind, expressed or implied.
6) The aforesaid sale may be adjourned from time to time as the undersigned Trustee deems advisable, which adjournment may be made by oral proclamation at the time and place of the sale or any adjournment thereof.
GIVEN under our hands on this the 15th day of October, 2025.
/s/Robert A. Gardner
Robert A. Gardner Trustee
Ziegler & Ziegler, L.C.
110 James Street
Hinton, WV 25951
/s/David L. Ziegler
David L. Ziegler, Trustee
Ziegler & Ziegler, L.C.
110 James Street
Hinton, WV 25951
/s/ Anna R. Ziegler
Anna R. Ziegler, Trustee
Ziegler & Ziegler, L.C.
110 James Street
Hinton, WV 25951
PREPARED BY:
ZIEGLER & ZIEGLER, L.C.
110 James Street, Hinton, WV 25951