Legal Notice
NOTICE OF MORTGAGE FORECLOSURE SALE
PURSUANT TO JUDICIAL ORDER
Pursuant to an Order entered in the Circuit Court of Winston County, Alabama, in the case styled, Alabama Housing Finance Authority v. Morgan R. Flood, et al., Case No. CV-2026-900003.00, adjudging the default made in the payment of the indebtedness owed to Alabama Housing Finance Authority and authorizing the foreclosure of that certain Mortgage executed by Morgan R. Flood, an unmarried woman, to Mortgage Electronic Registration Systems, Inc. (“MERS”), (solely as nominee for Lender, First Federal Bank, and Lender’s successors and assigns), dated the 26th day of August, 2021, which Mortgage was recorded in the Office of the Judge of Probate of Winston County, Alabama, in Mortgage Book 671, at Page 421; said Mortgage was corrected and re-recorded in Mortgage Book 2026, at Page 85; said Mortgage having been transferred and assigned by Mortgage Electronic Registration Systems, Inc. (“MERS”), (solely as nominee for Lender, First Federal Bank, and Lender’s successors and assigns) to Alabama Housing Finance Authority by virtue of that certain Assignment of Mortgage dated November 14, 2025 and recorded in said Probate Office in Mortgage Book 2025, at Page 9018 and by that certain Corrective Assignment of Mortgage dated January 8, 2026 and recorded in said Probate Office in Mortgage Book 2026, at Page 182. The undersigned Alabama Housing Finance Authority, as Assignee of said Mortgage, will, under and by virtue of the power of sale contained in said Mortgage, sell at auction to the highest bidder for cash before the main entrance of the Winston County Courthouse in the City of Double Springs, Alabama, during the legal hours of sale on November 13, 2026, the real property described in said Mortgage, which said description is hereby referred to and made a part hereof, said property being situated in Winston County, Alabama, to-wit:
Beginning in the SW corner of the SE ¼ of the NE ¼ Section 10, Township 11, Range 6 West; thence along the West line of said forty North a distance of 660 feet to a stake in the center of said line; thence East ¼ mile across said forty to the center of the East line of said forty; thence South along said line 660 feet to the SE corner of said forty; thence West along the South line of said forty to the point of beginning. Less and except 1.1 acres more or less situated in the Southeast corner of said SE ¼ of NE ¼.
The above described property being located and situated in the SE ¼ of NE ¼ Section 10, Township 11, Range 6 West containing 19 acres or less. Lying in Winston County, Alabama.
LESS AND EXCEPT:
A parcel of land located in the S ½ of the SE ¼ of the NE ¼ Section 10, Township 11 South, Range 6 West, Winston County, Alabama, being more particularly described as follows: Beginning at the SW Corner of the SE ¼ of the NE ¼ being a 5/8” rebar which is 17.5’ South of an existing fence; thence N 00 degrees 19 minutes 48 seconds West, along the West line thereof, a distance of 660.79’ to a 5/8” rebar (disturbed); thence South 89 degrees 54 minutes 13 seconds East a distance of 970.72 feet to a Joseph C. Hunt 5/8” rebar (LLS #17265) set on the West right of way of County Road 22; thence South 10 degrees 50 minutes 06 seconds East, along said right of way a distance of 116.80 feet to the point of curve; thence with a curve turning to the left with an arc length of 388.92 feet, with a radius of 1297.02 feet, with a chord bearing of South 19 degrees 25 minutes 32 seconds East, with a chord length of 387.47 feet to the point of tangent; thence South 28 degrees 00 minutes 56 seconds East, along said right of way, a distance of 204.96 feet to Hunt 5/8” rebar set on the South line of the SE ¼ of the NE 1/4 ; thence North 89 degrees 54 minutes 32 seconds West a distance of 1214.01 feet to the Point of Beginning, containing 16.19 acres, more or less, Subject to a 25 foot easement for ingress and egress located in the Northeast Corner of the above described property, as described in Deed Book 260, Page 207, in the Office of the Judge of Probate of Winston County, Alabama.
LESS AND EXCEPT such oil, gas, and other mineral interest, and all rights and privileges in connection therewith, as may have been reserved or conveyed by prior owners, if any.
See that certain Default Judgment and Foreclosure Order recorded in the Office of the Judge of Probate of Winston County, Alabama, in Judgment Book 2026, Page 122.
Alabama law gives some persons who have an interest in property the right to redeem the property under certain circumstances.
Programs may also exist that help persons avoid or delay the foreclosure process. An attorney should be consulted to help you understand these rights and programs as a part of the foreclosure process.
This sale is made for the purpose of realizing the mortgage debt, together with all expenses of the sale, including a reasonable attorney’s fee.
CAPELL &
HOWARD, P.C.
Jack W. Pitts, Esq.
150 South Perry Street
Montgomery,
Alabama 36104
Our File No.: 37591-3629
ATTORNEYS FOR ASSIGNEE
ALABAMA HOUSING
FINANCE
AUTHORITY
ASSIGNEE
MF_Oct 21, 28,
Nov 4
898