CIPRIANI & WERNER, P.C.

6411 IVY LANE

SUITE 600

GREENBELT, MD 20770

SUBSTITUTE TRUSTEE’S SALE OF

VALUABLE FEE SIMPLE PROPERTY

(KNOWN AS)

6512 ROSEMONT AVENUE

BALTIMORE, MD 21206

Under and by virtue of a decree and/or power of sale contained in a certain Deed of Trust from Allen R. Garey and Lois A. Garey dated January 11, 2006 and recorded among the land records of Baltimore City, Maryland at Liber 7259, folio 114, the holder of the indebtedness secured by said Deed of Trust having appointed Paul J. Cohen, Substitute Trustee for the purpose of foreclosure, default having occurred under the terms the undersigned Deed of Trust, and at the request of the party served thereby, Paul J. Cohen, Substitute Trustee will offer for sale at public auction on the front steps of the Circuit Courthouse for Baltimore City, 100 N. Calvert Street, Baltimore City, Maryland 21202 on:

THURSDAY, APRIL 4, 2024, AT 10:30 AM

ALL THAT FEE SIMPLE LOT OF GROUND THE IMPROVEMENTS thereon situate and lying in Baltimore City, Maryland and more fully described in the aforesaid Deed of Trust, a copy of which may be obtained from the Substitute Trustee.

The Property is believed to be improved by a dwelling.

TERMS OF SALE:  A deposit of $5,000.00 in cash or certified funds, or in any other form suitable to the Substitute Trustee in his sole discretion, will be required of the purchaser(s) at time and place of Auction Sale. Balance due in cash or certified funds within twenty (20) days following final ratification of the sale by the Circuit Court for Baltimore City, Maryland. Interest to be paid on the unpaid purchase price at the rate of 5.875% per annum from day of Auction Sale to date of settlement. Time shall be of the essence with respect to settlement by the purchaser(s). The Substitute Trustee reserves the right, in his sole discretion, to reject any and all bids or withdraw the Property from sale at any time before or at the Auction. The party secured herein, if a bidder, shall not be required to post a deposit or pay interest. In the event the purchaser(s) fails to go to settlement as required, the deposit shall be forfeited and the Property resold at the risk and expense of the defaulting purchaser. If the Substitute Trustee is unable to convey title, the purchaser's sole remedy in law and in equity shall be limited to a refund of the deposit and the sale shall be considered null and void and of no effect. With the exception of water rent and any related charges, taxes, ground rent, and all other public charges and assessments, payable on an annual basis, including special paving taxes and/or metropolitan district charges, shall be adjusted to date of auction sale and assumed thereafter by the purchaser. Water rent and any related charges shall be the sole responsibility of the Purchaser and shall be paid by the Purchaser at settlement. Cost of all documentary stamps, transfer taxes, document preparation, title insurance, survey costs and all other settlement expenses incidental to the conveyance of the Property shall be borne by the purchaser. The Property will be sold in an "AS IS" condition, without any warranties or representations either express or implied as to the nature, condition or description of the improvements thereon and subject to all easements, conditions, restrictions, rights of redemption, covenants, encumbrances, such state of facts that an accurate survey or physical inspection of the Property might disclose and agreements of record affecting the same, if any. Purchaser shall be responsible for obtaining physical possession of the Property. In addition, the Property will be sold subject to all existing housing, building and zoning code violations, and subject to all environmental problems and violations which may exist on or with respect to the Property and subject to all matters and restrictions of record affecting the same, if any. The purchaser(s) at the foreclosure sale shall assume the risk of loss for the above-referenced Property immediately after the Auction Sale takes place. The Purchaser will hold harmless and indemnify the Auctioneer as well as the Substitute Trustee and all employees and agents of the foregoing against any and all claims and/or actions arising out of Auctioneer’s participation in the auction from date of sale to date of settlement, including without limitation, expenses, judgments, fines, settlements and other amounts actually and reasonably incurred in connection with any liability, suit, action, loss or damage as a result of Auctioneer’s participation in the auction.  Purchaser acknowledges the requirements of MD Code, Real Property, § 14-126.1, et. seq.  Internet-based Foreclosed Property Registry, which requires that this Property be registered with the MD Foreclosed Property Registry.  The information contained herein was obtained from sources deemed to be reliable but is offered for informational purposes only. The Substitute Trustee, Auctioneer and Secured Party do not make any representations or warranties with respect to the accuracy of this information.

Paul J. Cohen, Substitute Trustee

Jonathan Melnick Auctioneers

912 E. 25^th Street, Baltimore, MD 21218

410-366-5555 www.melnicknewell.com

Baltimore City

Mar 20, Mar 27, Apr 3