Wednesday October 22nd, 2025 -

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Type: NJF
Party: Alabama Housing Finance Authority
County: Saline
Attorney/Contact: Padgett Law Group - AR
Property: 4638 Beaty Road, Benton AR 72019
Property Description:

THIS FORM PREPARED BY: Timothy D. Padgett, P.A. 415 North McKinley Ste 1177 Little Rock, AR 72205 (850) 422-2520 PLG 25-006972-1

Grantor: TIMOTHY D. PADGETT, P.A.
Grantee: CHRISTA ERIN SPURLIN,
(or as otherwise noted by the recorder)

MORTGAGEE'S NOTICE OF DEFAULT AND INTENTION TO SELL YOU MAY LOSE YOUR PROPERTY IF YOU DO NOT TAKE IMMEDIATE ACTION NOTICE IS HEREBY GIVEN that on October 24, 2025, at or about 01:00 PM, the subject real property described herein below will be sold at the Main Entrance to the Saline County Courthouse, 200 North Main Street, Benton, AR 72015 to the highest bidder for cash. The sale will extinguish all interests, including those of existing lien holders or previous owners in the property. THE TERMS OF SALE ARE CASH THE DAY OF SALE AND ALL TRANSFER TAXES WILL BE THE RESPONSIBILITY OF THE PURCHASER. WHEREAS, the property secured under the Mortgage is located in Saline County, Arkansas more particularly described as follows: Part of the S 1/2 of Lot 1 of the NW 1/4 of Section 19, T-2-S, R-15-W, Saline County, Arkansas, more particularly described as follows: Beginning at the NW corner of said S 1/2 of Lot 1 of NW 1/4, thence N 90°00`00" E, along the North line of thereof, a distance of 150.00 feet, thence S 00°11`54" W, a distance of 330.00 feet, thence N 90°00`00" W, a distance of 150.00 feet to the West line of said S 1/2 of Lot 1 of NW 1/4, thence N 00°11`54" E, along the West line thereof, for a distance of 330.00 feet to the point of beginning. Together with a strip of land 15 feet wide to be used for ingress and egress, the South line of which is described as follows: Commencing at the NW corner of the S 1/2 of Lot 1 of the NW 1/4 of Section 19, T-2-S, R-15-W, Saline County, Arkansas, thence N 90°00`00" E, along the North line thereof, a distance of 150.00 feet; thence South 00 degrees 11 minutes 54 seconds West, a distance of 330.0 feet to the point of beginning, thence N 90°00`00" E, a distance of 1162.82 feet to the center of Mountain View road and the point of terminus. Street Address: 4638 Beaty Road, Benton, AR 72019. WHEREAS on April 29, 2022, Christa Erin Spurlin, unmarried woman executed a Mortgage in favor of Mortgage Electronic Registration Systems, Inc., as mortgagee, as nominee for Centennial Bank , which was recorded on May 9, 2022 as Instrument Number 2022-010946, in the real estate records of Saline County, Arkansas. The beneficial interest of said Mortgage has been assigned to Alabama Housing Finance Authority, which is the party initiating foreclosure. The party initiating foreclosure is Alabama Housing Finance Authority and can be contacted at or in care of its servicer initiating foreclosure at: P.O. Box 242828, Montgomery, AL 36124-2928; and WHEREAS, there may be tenants that claim an interest in the real property herein based upon said tenancy; and WHEREAS, the undersigned is the attorney for the mortgagee and is acting on and with the consent and authority of the mortgagee who is exercising its power of sale under Ark. Code Ann. §18-50-115 which implies a power of sale in every mortgage of real property situated in this state that is duly acknowledged and recorded; and default has occurred in the payment of said indebtedness, and the same is now therefore wholly due; and the holder of the debt has requested the undersigned to sell the property to satisfy said indebtedness. The undersigned is an active, licensed member of the Bar of the Supreme Court of the State of Arkansas, and the law firm of the undersigned maintains an office at 415 N. McKinley St., Suite 1177, Little Rock, AR 72205 that is located within the State of Arkansas, is accessible to the public during regular business hours, and has the ability to accept funds from a grantor, mortgagor, or obligor to reinstate or pay off a mortgage or deed of trust. WITNESS my hand this August 20, 2025. TIMOTHY D. PADGETT, P.A. SUBSTITUTE TRUSTEE FOR ALABAMA HOUSING FINANCE AUTHORITY By: Renee Price Timothy D. Padgett, P.A. 415 North McKinley Ste 1177 Little Rock, AR 72205 (850) 422-2520. DR4T 9/30 10/7 1014 10/21/2025