ORIGINAL TRUSTEE SALE RECORDED ON 9/25/2023 IN THE OFFICE OF THE CLARK COUNTY RECORDER. NOTICE OF TRUSTEE'S SALE File No.:23-128704 Title Order No.:230305222 Grantor: Judith A. Brown and Tonilyn Brown, a married couple, as joint tenants with right of survivorship Current beneficiary of the deed of trust: JPMorgan Chase Bank, National Association Current trustee of the deed of trust: Aztec Foreclosure Corporation of Washington Current mortgage servicer of the deed of trust: JPMorgan Chase Bank, N.A. Reference number of the deed of trust: 5344314 Parcel number(s): 143313000 Abbreviated legal description: PTN SW 1/4, SEC 34, T2N, R4E, W.M. Commonly known as: 1015 SE 357th Avenue, Washougal, WA 98671 I. NOTICE IS HEREBY GIVEN that the undersigned Trustee, AZTEC FORECLOSURE CORPORATION OF WASHINGTON will on February 16, 2024, at the hour of 11:00 am at the Public Service Center Gazebo Clark County, 1300 Franklin Street, Vancouver, WA, State of Washington, sell at public auction to the highest and best bidder, payable at time of sale, the following described real property, situated in the County of Clark, State of Washington, to-wit: A Portion Of The Northeast Quarter Of The Southwest Quarter Of Section 34, Township 2 North, Range 4 East Of The Willamette Meridian, Clark County, Washington, Described As Follows: Beginning At A Stone With An "X" Mark At The Quarter Corner Between Section 34 And Section 35 As Shown In Book 33 Of Surveys At Page 84, Clark County Auditor's Records; Thence North 88 Degrees 30'19" West Along The North Line Of The Southeast Quarter Of Section 34 And The North Line Of The Southwest Quarter Of Section 34 A Distance Of 3411.37 Feet To A 1/2 Inch Iron Rod Set In Said Survey And The True Point Of Beginning; Thence Continuing North 88 Degrees 30'19" West, 563.97 Feet To A 1/2 Inch Iron Rod Set In Said Survey On The East Right-Of-Way Of Southeast 357th Avenue; Thence Continuing North 88 Degrees 30'19" West, 7.99 Feet To The Northwest Corner Of The Northeast Quarter Of The Southwest Quarter Of Section 34; Thence South 02 Degrees 06'29" West Along The West Line Of The Northeast Quarter Of The Southwest Quarter Of Section 34, 381.58 Feet Thence South 88 Degrees 30'19" East Parallel With The North Line Of The Southeast Quarter Of Section 34, 11.69 Feet To A 1/2 Inch Iron Rod Set In Said Survey On The East Right-Of-Way Of Southeast 357th Avenue; Thence Continuing South 88 Degrees 30'19" East, 560.27 Feet To A 1/2 Inch Iron Rod Set In Said Survey; Thence North 02 Degrees 06'29" East, 381.58 Feet To The True Point Of Beginning. Except County Roads. Together With A 10 Foot Bridle Trail Easement, The North Line Of Which Is Described As Follows: Beginning At The Northwest Corner Of The Northeast Quarter Of The Southwest Quarter Of Section 34 As Shown In Book 33 Of Surveys At Page 84; Thence South 88 Degrees 30'19" East, 3983.33 Feet To A Stone With An "X" Mark At The East Quarter Corner Of Section 34 And Terminus Of Said North Easement Line. Also Together With A 10 Foot Bridle Trail Easement, The East Line Of Which Is Described As Follows: Beginning At A Stone With An "X" Mark At The East Quarter Corner Of Section 34 As Shown In Book 33 Of Surveys At Page 84; Thence South 01 Degree 55 '14 "West, 1308.62 Feet To A 1/2 Inch Iron Rod At The Southeast Corner Of The North Half Of The Southeast Quarter Of Section 34 As Set In Said Survey Subject To: 1. Easement And The Terms And Conditions Thereof: Grantee : Pacific Northwest Pipeline Corporation, A Delaware Corporation Purpose : Pipelines Area Affected : Blanket Recording No : G 185322 And G 185321 2. Easement For Ingress, Egress And Utilities Over A 60 Foot Strip As Set Forth In Document Recorded Under Auditor's File No. 9301050292. 3. Fence Encroachments As Disclosed By The Survey Recorded In Book 33, Page 84, Records Of Clark County, Washington. 4. Covenants, Conditions And Restrictions, Including The Terms And Conditions Thereof, As Recorded Under Auditor's File No. 9308050173 And Re-Recorded Under Auditor's File No. 9308270048 And Amended Under Auditor's File Nos. 9308270049 And 9708070279. 5. By-Laws Of Mt. Norway Homeowners Association, Including The Terms And Conditions Thereof, As Recorded Under Auditor's File No. 9808270280. And Terminus Of Said East Easement Line. Also Together With A 10 Foot Bridle Trail Easement, The South Line Of Which Is Described As Follows: Beginning At A 1/2 Inch Iron Rod At The Southeast Corner Of The North Half Of The Southeast Quarter Of Section 34 As Set In Book 33 Of Surveys At Page 84; Thence North 88 Degrees 34'34" West 2660.08 Feet To A 1/2 Inch Iron Rod At The Southwest Corner Of The North Half Of The Southeast Quarter Of Section 34; Thence North 88 Degrees 34'45" West Along The South Line Of The Northeast Quarter Of The Southwest Quarter Of Section 34, 920.37 Feet To A 1/2 Inch Iron Rod As Set In Said Survey And Terminus Of Said South Easement Line. Also Together With A 10 Foot Bridle Trail Easement The Centerline Of Which Is Described As Follows: Beginning At A 1/2 Inch Iron Rod At The Southwest Corner Of The North Half Of The Southeast Quarterof Section 34 As Set In Book 33 Of Surveys At Page 84; Thence North 88 Degrees 34'45" West Along The South Line Of The Northeast Quarter Of The Southwest Quarter Of Section 34, 920.37 Feet To A 1/2 Inch Iron Rod As Set In Said Survey And The True Point Of Beginning Of Said Easement Centerline; Thence North 02 Degrees 06'29" East, 514.33 Feet To A 1/2 Inch Iron Rod As Set In Said Survey On The South Right-Of-Way Line Of A 60 Foot Easement; Thence Continuing North 02 Degrees 06'29" East 30.56 Feet To The Centerline Of A 60 Foot Easement And Terminus Of Said Easement Centerline. Also Together With A 10 Foot Bridle Trail Easement The West Line Of Which Is Described As Follows: Beginning At The Northwest Corner Of The Northeast Quarter Of The Southwest Quarter Of Section 34 As Shown In Book 33 Of Surveys At Page 84; Thence South 88 Degrees 30'10" East, Along The North Line Of Said Northeast Quarter Of The Southwest Quarter Of Section 34, 7.99 Feet To A 1/2 Inch Iron Rod As Set In Said Survey On The East Right-Of-Way Line Of Southeast 357th Avenue; Thence South 02 Degrees 06'29" West Along Said East Right-Of-Way Line, 769.66 Feet To The Centerline Of A 60 Foot Easement And Terminus Of Said West Easement Line. which is the subject of that certain Deed of Trust dated October 22, 2016, recorded November 7, 2016, under Auditor's File No. 5344314, records of Clark County, Washington, from Judith A. Brown and Tonilyn Brown, a married couple, as joint tenants with right of survivorship as Grantor, to Northwest Trustee Services, Inc. as Trustee, to secure an obligation in favor of JPMorgan Chase Bank, N.A. as Beneficiary. II. No action commenced by the Beneficiary of the Deed of Trust is now pending to seek satisfaction of the obligation in any Court by reason of the Borrower's or Grantor's default on the obligation secured by the Deed of Trust. III. The Default(s) for which this foreclosure is made is/are as follows: Failure to pay when due the following amounts which are now in arrears: Delinquent monthly payments from the February 1, 2023 installment on in the sum of $27,131.14 together with all fees, costs and or disbursements incurred or paid by the beneficiary and or trustee, their employees, agents or assigns. The Trustee's fees and costs are estimated at $3,555.13 as of September 25, 2023. The amount to cure the default payments as of the date of this notice is $30,896.76. Payments and late charges may continue to accrue and additional advances to your loan may be made. It is necessary to contact the beneficiary or Trustee prior to the time you tender the reinstatement amount so that you may be advised of the exact amount you would be required to pay. IV. The sum owing on the obligation secured by the Deed of Trust is: Principal Balance $450,203.37, together with interest in the Note or other instrument secured from January 1, 2023, and such other costs and fees as are due under the Note or other instrument secured, and as are provided by statute. The amount necessary to pay off the entire obligation secured by your Deed of Trust as the date of this notice is $469,920.51. Interest and late charges may continue to accrue and additional advances to your loan may be made. It is necessary to contact the beneficiary or Trustee prior to the time you tender the payoff amount so that you may be advised of the exact amount you would be required to pay. V. The above-described real property will be sold to satisfy the expense of sale and the obligation secured by the Deed of Trust as provided by statute. The sale will be made without warranty express or implied regarding title, possession, or encumbrances on February 16, 2024. The default(s) referred to in paragraph III, together with any subsequent payments, late charges, advances, costs and fees thereafter due, must be cured by February 5, 2024 (11 days before the sale date), to cause a discontinuance of the sale. The sale will be discontinued and terminated if at any time on or before February 5, 2024 (11 days before the sale date), the default(s) as set forth in paragraph III, together with any subsequent payments, late charges, advances, costs and fees thereafter due, is/are cured and the Trustee's fees and costs are paid. The sale may be terminated any time after February 5, 2024 (11 days before the sale date), and before the sale by the Borrower, Grantor, any Guarantor or the holder of any recorded junior lien or encumbrance paying the entire principal and interest secured by the Deed of Trust, plus costs, fees and advances, if any, made pursuant to the terms of the obligation and/or Deed of Trust, and curing all other defaults. VI. A written notice of default was transmitted by the Beneficiary or Trustee to the Borrower and Grantor at the following addresses: Judith A. Brown 1015 SE 357th Avenue Washougal, WA 98671-9551 Tonilyn Brown 1015 SE 357th Avenue Washougal, WA 98671-9551 Occupant(s) 1015 SE 357th Avenue Washougal, WA 98671 by both first class and certified mail on August 16, 2023 proof of which is in the possession of the Trustee; and the Borrower and Grantor were personally served on August 17, 2023 with said written notice of default or the written notice of default was posted in a conspicuous place on the real property described in paragraph I above, and the Trustee has possession of proof of such service or posting. The declaration by the beneficiary pursuant to RCW 61.24.030(7)(a) was transmitted by the Beneficiary or Trustee to the Borrower and Grantor at the above addresses on August 16, 2023, proof of which is in possession of the Trustee. VII. The Trustee whose name and address are set forth above, and whose telephone number is (360) 253-8017 / (877) 430-4787 will provide in writing to anyone requesting it, a statement of all costs and fees due at any time prior to the sale. VIII. The effect of the sale will be to deprive the Grantor and all those who hold by, through or under the Grantor of all their interest in the above-described property. IX. Anyone having an objection to the sale on any grounds whatsoever will be afforded an opportunity to be heard as to those objections if they bring a lawsuit to restrain the sale pursuant to RCW 61.24.130. Failure to bring such a lawsuit may result in a waiver of any proper grounds for invalidating the Trustee's sale. X. NOTICE TO OCCUPANTS OR TENANTS The purchaser at the trustee's sale is entitled to possession of the property on the 20th day following the sale, as against the grantor under the deed of trust (the owner) and anyone having an interest junior to the deed of trust, including occupants, who are not tenants. After the 20th day following the sale the purchaser has the right to evict occupants who are not tenants by summary proceedings under Chapter 59.12 RCW. For tenant-occupied property, the purchaser shall provide a tenant with written notice in accordance with RCW 61.24.60. XI. THIS NOTICE IS THE FINAL STEP BEFORE THE FORECLOSURE SALE OF YOUR HOME. You have only 90 calendar days BEFORE the date of sale listed in the Notice of Trustee's Sale. If an amended Notice of Sale is recorded providing a 45-day notice of the sale, mediation must be requested no later than 25 days BEFORE the date of sale listed in the amended Notice of Trustee's Sale. DO NOT DELAY. CONTACT A HOUSING COUNSELOR OR AN ATTORNEY LICENSED IN WASHINGTON NOW to assess your situation and refer you to mediation if you are eligible and it may help you save your home. See below for safe sources of help. SEEKING ASSISTANCE Housing counselors and legal assistance may be available at little or no cost to you. If you would like assistance in determining your rights and opportunities to keep your house, you may contact the following: The statewide foreclosure hotline for assistance and referral to housing counselors recommended by the Housing Finance Commission: Telephone (Toll-free): 1-877-894-HOME (1-877-894-4663) or Web site: http://www.dfi.wa.gov/consumers/homeownership/post_purchase_counselors_foreclosure.htm. The United States Department of Housing and Urban Development: Telephone (Toll-free): 1-800-569-4287 or National Web site: http://www.hud.gov/offices/hsg/sfh/hcc/fc/index.cfm?webListAction=search&searchstate=WA&filterSvc=dfc. The statewide civil legal aid hotline for assistance and referrals to other housing counselors and attorneys: Telephone (Toll-Free): 1-800-606-4819 or Web site: http://nwjustice.org/what-clear XII. FAIR DEBT COLLECTION PRACTICES ACT NOTICE: AZTEC FORECLOSURE CORPORATION OF WASHINGTON is attempting to collect a debt and any information obtained will be used for that purpose. If a discharge has been obtained by any party through bankruptcy proceedings, this shall not be construed to be an attempt to collect the outstanding indebtedness or to hold you personally liable for the debt. DATED this 25th day of September, 2023 AZTEC FORECLOSURE CORPORATION OF WASHINGTON By: Inna D. Fabyanchuk President 1499 SE Tech Center Place, Suite 255 Vancouver, WA 98683 (360) 253-8017 / (877) 430-4787 ADDRESS FOR PERSONAL SERVICE Aztec Foreclosure Corporation of Washington 1499 SE Tech Center Place, Suite 255 Vancouver, WA 98683 STATE OF WASHINGTON ) ) SS. COUNTY OF CLARK ) This instrument was acknowledged before me this 25th day of September, 2023, by Inna D. Fabyanchuk, President. Kira Lynch Notary Public in and for the State of Washington My Commission Expires: 10/6/2024 KIRA LYNCH Notary Public State of Washington License Number 188037 My Commission Expires October 06, 2024 1015 SE 357TH AVENUE WASHOUGAL, WA 98671 NPP0441151 To: THE REFLECTOR 04/24/2024, 05/15/2024 Published in The Reflector: April 24 & May 15, 2024