LEGAL NOTICE OF DEFAULT AND FORECLOSURE SALE WHEREAS, on November 03, 2005, a certain mortgage was executed by LOIS J. DUGGAN and THOMAS J. DUGGAN, as mortgagor in favor of ALL-PENNSYLVANIA REVERSE MORTGAGE as mortgagee and was recorded in Office of the Recorder of Deeds of Butler County in Mortgage Instrument # 200511090032518 (Mortgage); and WHEREAS, the Mortgage encumbers property located at 219 Meridian Road Butler, PA 16001, parcel number 054 25 B30000 (Property); and WHEREAS Mortgagor/Record Owner THOMAS DUGGAN AKA THOMAS J. DUGGAN died on 06/02/10. By operation of law title vests solely in LOIS DUGGAN AKA LOIS J. DUGGAN and THOMAS DUGGAN AKA THOMAS J. DUGGAN is hereby released of liability pursuant to Pa.R.C.P. 1144. ; and WHEREAS, the Property was owned by LOIS J. DUGGAN & THOMAS J. DUGGAN by virtue of deed dated 8/10/1977 and recorded 8/10/1977 in Book 1049 Page 631; and WHEREAS, the Mortgage is now owned by the Secretary of the United States Department of Housing and Urban Development (Secretary), pursuant to an assignment recorded on 12/17/2021 in Instrument # 202112170034944, in the Office of the Recorder of Deeds of Butler County, Pennsylvania; and WHEREAS a default has been made in the covenants and conditions of the Mortgage is in serious default due to violation of (a) (iii): The Property ceases to be the principal residence of a Borrower for reasons other than death and the Property is not the principal residence of at least one other Borrower and that no payment was made, and remains wholly unpaid as of the date of this Notice; and WHEREAS the entire amount delinquent as of 4/20/2026 is $193,208.44 plus interest, costs and other charges through the sale date; and WHEREAS, by virtue of this default, the Secretary has declared the entire amount of the indebtedness secured by the Mortgage to be immediately due and payable; NOW THEREFORE, pursuant to powers vested in me by the Single Family Mortgage Foreclosure Act of 1994, 12 U.S.C. 3751 et seq., by 24 CFR Part 29, and by the Secretarys designation of me as Foreclosure Commissioner, recorded on 08/02/2012 in Misc. Instrument #201208020021963, in the Office of the Recorder of Deeds of Butler County, Pennsylvania, notice is hereby given that on 08/27/2026; at 10:00 AM at the Main Entrance of the Buter County Courthouse located at 124 W Diamond St, Butler, PA 16001 all real property and personal property at or used in connection with the following described premises will be sold at public action to the highest bidder: ALL that certain piece, parcel or lot of ground situate in Butler Township, Butler County, Pennsylvania, being Lots No. 3 in the Brickle Plan of Lots as surveyed by J. C. Aiken, C. E., in July, 1922, and being bounded and described as follows, to wit: BEGINNING at a point in the center of the Meridian Road and land of now or formerly Aiken; thence in a northerly direction along the center of said Meridian Road, 300 feet to a point at dividing line between Lots Nos. 3 and 4; thence in an easterly direction along line of Lot No. 4, 435.5 feet to Lot No. 12 in the same Plan; thence in a southerly direction along Lot No. 12, 300 feet to land now or formerly of Aiken; thence in a westerly direction along land now or formerly of Aiken, 435.5 feet to the place of beginning. Each of said lots fronting 100 feet on the Meridian Road; said plan being recorded in the Butler County Recorders Office in Plan Book No. 4 at Page 205, and having a one story frame dwelling house thereon erected. BEING Map Number 54-25-B3. Being the same property conveyed to Thomas J. Duggan and Lois J. Duggan, the Mortgagors herein, by Deed of Lillian Poultney, a single woman dated the 10th day of August, 1977 and Recorded August 10, 1977 in Deed Book 1049 Page 632. The sale will be held 08/27/2026; at 10:00 AM at the Main Entrance of the Buter County Courthouse located at 124 W Diamond St, Butler, PA 16001. The Secretary of Housing and Urban Development will bid $193,208.44 plus interest, costs and other charges through the sale date. Ten percent (10%) of the highest bid is the deposit required at the sale. The amount that must be paid to HUD by the mortgagors or someone acting on their behalf so that the sale may be stayed is the total delinquent amount of $193,208.44 as of 04/20/2026, plus all other amounts that would be due under the mortgage agreement if payments under the mortgage had not been accelerated, advertising costs and postage expenses incurred in giving notice, mileage by the most reasonable road distance for posting notices and for the Foreclosure Commissioners attendance at the sale, reasonable and customary costs incurred for title and lien record searches, the necessary out-of-pocket costs incurred by the Foreclosure Commissioner for recording documents, a commission for the Foreclosure Commissioner, and all other costs incurred in connection with the foreclosure prior to reinstatement. There will be no proration of taxes, rents or other income or liabilities, except that the purchaser will pay, at or before closing, his prorata share of any real estate taxes that have been paid by the Secretary to the date of the foreclosure sale. When making their bid, all bidders, except the Secretary, must submit a deposit totaling ten percent 10% of the Secretarys bid as set forth above in the form of a certified check or cashiers check made out to the Secretary of HUD. Each oral bid need not be accompanied by a deposit. If the successful bid is oral, a deposit of ten (10%) percent must be presented before the bidding is closed. The deposit is nonrefundable. The remainder of the purchase price must be delivered within thirty (30) days of the sale or at such other time as the Secretary may determine for good cause shown, time being of the essence. This amount, like the bid deposits, must be delivered in the form of a certified or cashiers check. If the Secretary is the high bidder, he need not pay the bid amount in cash. The successful bidder will pay all conveyance fees, all real estate and other taxes that are due on or after the delivery of the remainder of the payment and all other costs associated with the transfer of title. At the conclusion of the sale, the deposits of the unsuccessful bidders will be returned to them. The Secretary may grant an extension of time within which to deliver the remainder of the payment. All extensions will be for fifteen (15) days, and a fee will be charged in the amount of $150.00 for each fifteen (15) day extension requested. The extension fee shall be paid in the form of a certified or cashiers check made payable to the Secretary of Housing and Urban Development. If the high bidder closes the sale prior to the expiration of any extension period, the unused portion of the extension fee shall be applied toward the amount due. If the high bidder is unable to close the sale within the required period, or within any extensions of time granted by the Secretary, the high bidders deposit will be forfeited, and the Commissioner may, at the direction of the HUD Field Office Representative, offer the Property to the second highest bidder for an amount equal to the highest price offered by that bidder. There is no right of redemption, or right of possession based upon a right of redemption, in the mortgagor or others subsequent to a foreclosure completed pursuant to the Act. Therefore, the Foreclosure Commissioner will issue a Deed to the purchaser(s) upon receipt of the entire purchase price in accordance with the terms of the sale as provided herein. KML LAW GROUP, P.C. Foreclosure Commissioners (215-825-6305)
