The undersigned Substitute Trustee, by virtue of the authority vested in him by that certain Deed of Trust, dated December 20, 2012, and duly recorded in the Office of the Clerk of the County Commission of Raleigh County, West Virginia, in Document No. 50498185, in Book No. 5049, at Page 8185 and modified by Loan Modification Agreement recorded on August 18, 2017 in Document No. MOD 50659465, in Book No. 5065, at Page 9465 and modified by Loan Modification Agreement recorded on June 28, 2022 in Document No. MOD 50767650, in Book No. 5076, at Page 7650, Benjamin Cadle did convey unto Alan H. Larrick, Trustee(s), certain real property described in said Deed of Trust; and the beneficiary has elected to appoint Seneca Trustees, Inc., as Substitute Trustee; and default having been made under the aforementioned Deed of Trust, and the undersigned Substitute Trustee having been instructed by PennyMac Loan Services, LLC to foreclose thereunder, will offer for sale at public auction at the front door of the Raleigh County Courthouse in Beckley, West Virginia, on
October 27, 2025 at 1:15 PM
the following described real estate, together with its improvements, easements and appurtenances thereunto belonging, situate in 11 – Town District, Raleigh County, West Virginia, and more particularly described as follows:
The surface of the following described tract of real estate located in Town District, Raleigh County, West Virginia, and more particularly described as follows:
That one (1) certain lot or parcel of land numbered Lot 16 as shown on a certain map marked "Map of 9.22 Ac., L. C. Lilly Property, Pemberton, West Va., August 14, 1921, Milton Curtis,'' which said map is recorded in the Office of the Clerk of the County Commission of the Raleigh County, West Va., in Map Record No. 3 at page 37, to which map reference is hereby expressly made for a more complete description of said property hereby conveyed.
There is EXCEPTED and RESERVED from this conveyance, however, that portion of the above described real estate conveyed by Frank D. Ratcliff and Frances L. Ratcliff, his wife, to Ralph Martin Sutphin, and Diane Sue Sutphin, husband and wife, by deed dated May 7, 1997, recorded in the aforesaid Clerk's Office on Microfilm Roll 112, at page 1155.
And being the same property acquired by Benjamin Cadle, by deed dated the 17th day of December, 2012, from Michael Cutright and Connie Cutright, to be recorded in the Office of the Clerk of the County Commission of Raleigh County, West Virginia, prior to or simultaneously herewith.
At the time of the execution of the Deed of Trust, this property was reported to have an address of: 576 Pemberton Road, Pemberton, WV 25878.
The referenced real estate will be conveyed with no covenants of warranty, and subject to all covenants, restrictions, easements, rights of way and reservations which may be a matter of record in the aforesaid Clerk's Office or visible upon the ground, all prior liens and encumbrances, including, without limitation, liens for real estate taxes, incinerator, sanitary and sewer charges. The purchasers at the sale shall be responsible for paying the recording costs and also the tax on the privilege of transferring real property (the cost of the tax stamp to be affixed to the deed). The purchasers shall be responsible for payment of all real estate taxes.
The subject property will be sold in "AS IS" condition. The Substitute Trustee shall be under no duty to cause any existing tenant or person occupying the subject property to vacate said property.
TERMS: $9000.00 in cash and/or certified funds as deposit at the time of sale with the balance due and payable within 30 days of the day of sale.
FEDERAL TAX LIEN: In the event that there are Federal Tax Liens against the property, the United States would have the right to redeem the property within a period of 120 days from the date of such sale or the period allowable for redemption under local law, whichever is longer.
Pursuant to the Deed of Trust, the Trustee may postpone the sale by public announcement at the time and place designated or by posting a notice of the same, and act by agent in the execution of the sale. The parties secured by the Deed of Trust reserve the right to purchase the property at such sale.
SENECA TRUSTEES, INC.
5000 Coombs Farm Drive,
Suite 104
Morgantown, WV 26508
(304) 413-0044
(304) 292-2918
Toll free: (888) 534-3132
Reference File No. 53619