TRUSTEE’S NOTICE OF SALE TS No

TRUSTEE’S NOTICE OF SALE TS No.: 115424-OR Loan No.: ******8474 Reference is made to that certain trust deed (the Deed of Trust) executed by CHRISTOPHER KEPHART, UNMARRIED MAN., as Grantor, to COLUMBIA COUNTY TITLE & ESCROW SERVICES, INC., as Trustee, in favor of MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC., AS DESIGNATED NOMINEE FOR AXIA FINANCIAL, LLC., BENEFICIARY OF THE SECURITY INSTRUMENT, ITS SUCCESSORS AND ASSIGNS, as Beneficiary, dated 6/30/2020, recorded 6/30/2020, as Instrument No. 2020-06214, in the Official Records of Columbia County, Oregon, which covers the following described real property situated in Columbia County, Oregon: THE NORTH 137.96 FEET OF THE FOLLOWING DESCRIBED TRACT: A TRACT OF LAND LOCATED IN THE NORTHEAST QUARTER OF SECTION 5, TOWNSHIP 4 NORTH, RANGE 4 WEST OF THE WILLAMETTE MERIDIAN IN COLUMBIA COUNTY, OREGON, MORE PARTICULARLY DESCRIBED AS FOLLOWS: BEGINNING AT THE SOUTHEAST CORNER OF LOT 4 BLOCK 1, WILD ROSE ADDITION, TO VERNONIA; SAID POINT ALSO BEING THE NORTHWEST CORNER OF A TRACT OF LAND CONVEYED TO DARROLD R. PROEHL AND MERCEDES PROEHL ON AUGUST 13, 1988, INSTRUMENT NO. 88-3232, OFFICIAL RECORDS OF COLUMBIA COUNTY OREGON; THENCE EASTERLY, ALONG THE NORTH LINE OF SAID PROEHL TRACT, 70.66 FEET, MORE OR LESS, TO THE WEST RIGHT OF WAY LINE OF A TRACTCONVEYED TO THE PORTLAND ASTORIA PACIFIC RAILROAD COMPANY BY DEED RECORDED JANUARY 10, 1922 IN BOOK 32, PAGE 305, DEED RECORDS OF COLUMBIA COUNTY, OREGON; THENCE NORTHWESTERLY, ALONG THE WEST LINE OF SAID RAILROAD RIGHT OF WAY, 290 FEET, MORE OR LESS, TO THE SOUTHEAST CORNER OF A TRACT CONVEYED TO PETER M. SHEVCHENKO AND EDITH U. SHEVCHENKO BY DEED RECORDED AUGUST 21, 1991 AS INSTRUMENT NO. 91-5099, DEED RECORDS OF COLUMBIA COUNTY, OREGON; THENCE WEST, ALONG THE SOUTH LINE OF SAID SHEVCHENKO TRACT, 70.66 FEET, MORE OR LESS, TO THE EAST LINE OF RUTH AVENUE; THENCE SOUTH 7 DEGREES 06′ WEST, ALONG THE EAST LINE OF RUTH AVENUE, 130 FEET, MORE OR LESS, TO THE NORTHEAST CORNER OF LOT 1, BLOCK 1, WILD ROSE ADDITION, TO VERNONIA; THENCE CONTINUING SOUTH 7 DEGREES 06′ WEST, ALONG THE EAST LINE OF LOTS 1 AND 4, BLOCK 1 OF SAID WILD ROSE ADDITION, 150 FEET, MORE OR LESS, TO THE POINT OF BEGINNING. APN: 23373 / 4N4W05-AD-14207 Commonly known as: 1114 RUTH AVE VERNONIA, OR 97064 The current beneficiary is: AXIA FINANCIAL LLC DBA AXIA HOME LOANS LLC Both the beneficiary and the trustee have elected to sell the above-described real property to satisfy the obligations secured by the Deed of Trust and notice has been recorded pursuant to ORS 86.752(3). The default for which the foreclosure is made is the grantor’s failure to pay when due, the following sums: Delinquent Payments: Dates: Total: 4/1/2023 – 8/1/2023 $6,311.95 Late Charges: $137.96 Beneficiary Advances: $1,328.00 Total Required to Reinstate: $7,777.91 TOTAL REQUIRED TO PAYOFF: $194,551.52 By reason of the default, the beneficiary has declared all obligations secured by the Deed of Trust immediately due and payable, including: the principal sum of $190,019.24 together with interest thereon at the rate of 3.125 % per annum, from 3/1/2023 until paid, plus all accrued late charges, and all trustee’s fees, foreclosure costs, and any sums advanced by the beneficiary pursuant to the terms and conditions of the Deed of Trust Whereof, notice hereby is given that the undersigned trustee, CLEAR RECON CORP, whose address is 111 SW Columbia Street #950, Portland, OR 97201, will on 1/11/2024, at the hour of 11:00 AM, standard time, as established by ORS 187.110, At the front entrance of the Columbia County Courthouse located at 230 Strand Street, St. Helens, OR 97051, sell at public auction to the highest bidder in the form of cash equivalent (certified funds or cashier’s check) the interest in the above-described real property which the grantor had or had power to convey at the time it executed the Deed of Trust, together with any interest which the grantor or his successors in interest acquired after the execution of the Deed of Trust, to satisfy the foregoing obligations thereby secured and the costs and expenses of sale, including a reasonable charge by the trustee. Notice is further given that any person named in ORS 86.778 has the right to have the foreclosure proceeding dismissed and the Deed of Trust reinstated by payment to the beneficiary of the entire amount then due (other than the portion of principal that would not then be due had no default occurred), together with the costs, trustee’s and attorneys’ fees, and curing any other default complained of in the Notice of Default by tendering the performance required under the Deed of Trust at any time not later than five days before the date last set for sale. Without limiting the trustee’s disclaimer of representations or warranties, Oregon law requires the trustee to state in this notice that some residential property sold at a trustee’s sale may have been used in manufacturing methamphetamines, the chemical components of which are known to be toxic. Prospective purchasers of residential property should be aware of this potential danger before deciding to place a bid for this property at the trustee’s sale. In construing this notice, the masculine gender includes the feminine and the neuter, the singular includes plural, the word grantor includes any successor in interest to the grantor as well as any other persons owing an obligation, the performance of which is secured by the Deed of Trust, the words trustee and beneficiary include their respective successors in interest, if any. Dated: 8/29/2023 CLEAR RECON CORP 1050 SW 6th Avenue, Suite 1100 Portland, OR 97204 Phone: 858-750-7777 866-931-0036 Hamsa Uchi, Authorized Signatory of Trustee Published Sep. 22, 29, Oct. 6 & 13, 2023. CCS301384

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