TRUSTEE'S SALE OF VALUABLE REAL ESTATE The undersigned Substitute Trustee, by virtue of the authority vesting in it by that certain Deed of Trust recorded on August 26, 2019, in the Office of the Clerk of the County Commission of Cabell County, West Virginia, in Book 2751 at Page 74, Samantha Banzon did convey unto Andrew C. Skinner, as Original Trustee, certain real property described in said Deed of Trust; and the beneficiary has elected to appoint Elk River Trustees Inc., as Substitute Trustee by virtue of a Substitution of Trustee recorded on March 27, 2025 in Book 423 at Page 159 in the aforesaid Clerk's Office; the undersigned Substitute Trustee has been requested, in writing, by the beneficiary of said Deed of Trust to sell the real estate described below, as there has been a default under the terms and conditions of said Deed of Trust. Therefore, the undersigned Substitute Trustee having been instructed by Nationstar Mortgage LLC to foreclose thereunder will offer for sale, at a public auction at the front door of the Cabell County Courthouse in Huntington, West Virginia, on December 18, 2025 at 10:00 AM the following described real estate, together with its easements, improvements, and appurtenances thereunto belonging, situate in the Edgewood Addition in the Town of Milton, Cabell County, West Virginia, and more particularly bounded and described as follows: LEGAL DESCRIPTION All those certain pieces, parcels or lot of real estate, situate in the Edgewood Addition, in the town of Milton, described as follows: BEGINNING at a point in the south line of Lot Number 57 of the Edgewood Addition, which is the north line of Florida Street, being the central point between the south east and south west corners of said Lot No. 57, and running a straight course north to a point in the north line of Lot No. 55 of the said Edgewood Addition, which is the central point between northeast and northwest corners of said Lot No. 55; thence with the north line of said Lot No. 55 west 60 feet to the northwest corner of said Lot No. 55; thence south with the west line of said Lot No. 55, thence Lot No. 56, thence Lot No. 57 to the southwest corner to Lot No. 57 of said Edgewood Addition; thence east 60 feet with the south line of said Lot No. 57, which is the north line of Florida Street, to the place of BEGINNING, being properly the west Sixty Feet of said Lots Numbers Fifty Five (55), Fifty Six (56) and Fifty-Seven (57) of the said Edgewood Addition the entire parcel containing Seven Thousand, Two Hundred Square Feet. At the time of the execution of the subject Deed of Trust, the property was reported to have an address of: 647 Florida St, Milton, West Virginia, 25541-1411 The above referenced real estate will be conveyed with no covenants of warranty and subject to any and all easements, rights of way, conditions, covenants, restrictions, exceptions, reservations, leases and other servitudes, which may be a matter of record in the aforesaid Clerk's Office or visible upon the ground. The sale of the referenced real estate will also be subject to all prior liens and including any and all other deeds of trust, judgments, liens, and all other encumbrances of any nature whatsoever, if any, having priority over the subject Deed of Trust. The subject property will be sold in an "AS IS" condition. The Substitute Trustee makes no representations and warranties of any kind or character including, but not limited to, the condition of the real estate or the title to the real estate to be conveyed. The Substitute Trustee shall be under no duty to cause any existing tenant or person occupying the subject property to vacate said property. In the event that there are federal tax liens against the property, the United States has the right to redeem the property within a period of one hundred twenty (120) days from the date of the sale. The Substitute Trustee reserves the right to adjourn the sale for a time, or from time to time, without further notice, by announcement at the time and place of the foreclosure sale described herein. TERMS OF SALE 1. $8,000.00 (Eight Thousand Dollars) in cash and/or certified funds made payable to "Elk River Trustees, Inc." due as a deposit at the time of sale, with the balance due and payable within thirty (30) days of sale. Personal checks will not be accepted. 2. The purchaser at the sale shall be responsible for payment of all real estate taxes. 3. The purchaser shall be responsible for payment of the recording cost of the deed and also for payment of the tax on the privilege of transferring the real property (transfer tax) imposed by West Virginia Code 11-22-2. 4. The parties secured by the Deed of Trust reserve the right to purchase the property at the foreclosure sale. ELK RIVER TRUSTEES, INC. 714 Venture Dr, #132 Morgantown, WV 26508 Telephone: 304-241-6962 Fax: 330-436-0301 Reference file #25-02648 LH-377272 11-25,12-02;2025