Crockett County Times Public Notices, December 31, 2025

NOTICE OF DEFAULT AND FORECLOSURE SALE

WHEREAS, on September 18, 2009, a certain Home Equity Conversion Deed of Trust (“Reverse

Mortgage”) was executed by BOBBY JOE DAVIS, an unmarried man, in favor of EQUIPOINT

FINANCIAL NETWORK, INC., as beneficiary and Arnold M. Weiss, as trustee, and was recorded on

October 26, 2009 under Clerk`s Instrument Number 21345, Book 258, Page 247-255 in the real property

records of Crockett County, Tennessee.

WHEREAS, the Reverse Mortgage was insured by the United States Secretary of Housing and Urban

Development (the “Secretary”) pursuant to the National Housing Act for the purpose of providing single

family housing; and

WHEREAS, the beneficial interest in the Reverse Mortgage is now owned by the Secretary, pursuant to

an assignment dated December 17, 2018, and recorded on April 25, 2019, under Clerk`s Instrument

Number 42607 in the real property records of Crockett County, Tennessee; and

WHEREAS, a default has been made in the covenants and conditions of the Reverse Mortgage in that a

Borrower dies and the Property is not the principal residence of at least one surviving Borrower; and

WHEREAS, the entire amount delinquent as of February 13, 2026, is $79,918.33; and

WHEREAS, by virtue of the default, the Secretary has declared the entire amount of the indebtedness

secured by the Reverse Mortgage to be immediately due and payable;

NOW THEREFORE, pursuant to powers vested in Mackie Wolf Zientz & Mann, P.C. by the Single

Family Mortgage Foreclosure Act of 1994, 12 U.S.C. 3751 et seq., by 24 CFR part 27, subpart B, and by

the Secretary’s designation of Mackie Wolf Zientz & Mann, P.C. as Foreclosure Commissioner, recorded

in the real property records of Crockett County, Tennessee under Instrument number 57960, notice is

hereby given that on February 13, 2026, on or about 11:00AM  local time, all real property at or used in

connection with the following described premises (“Property”) will be sold at public auction to the

highest bidder:

Commonly known as: 489 Salem Road, Gadsden, TN 38337.

Tax ID:  053-018.00

The sale will be held in Crockett County, Tennessee at the following location: at the main door of the

Crockett County Courthouse, Alamo, Tennessee.

The Secretary of Housing and Urban Development will bid $79,918.33.

There will be no proration of taxes, rents or other income or liabilities, except that the purchaser will pay,

at or before closing, his pro rata share of any real estate taxes that have been paid by the Secretary to the

date of the foreclosure sale.

When making their bids, all bidders except the Secretary must submit a deposit totaling $7,991.83 in the

form of a certified check or cashier’s check made out to the Secretary of HUD.  A deposit need not

accompany each oral bid.  If the successful bid is oral, a deposit of $7,991.83 must be presented before

the bidding is closed.  The deposit is nonrefundable.  The remainder of the purchase price must be

delivered within 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 cashier’s check.  If the Secretary is the highest bidder, he need not pay the bid amount in cash.

The successful bidder will pay all conveying fees, all real estate and other taxes that are due on or after

the delivery date 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 15-day increments for a fee of $500.00, paid in advance.  The extension fee shall be

in the form of a certified or cashier’s check made payable to the Secretary of HUD.  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 extension of time

granted by the Secretary, the high bidder may be required to forfeit the cash deposit or, at the election of

the foreclosure commissioner after consultation with the HUD representative, will be liable to HUD for

any costs incurred as a result of such failure.  The Commissioner may, at the direction of the HUD

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.  HUD does not guarantee that the property will

be vacant.

Other interested Parties: ESTATE OF BOBBY JOE DAVIS AND UNKNOWN HEIRS OF BOBBY JOE

DAVIS AND SECRETARY OF HOUSING & URBAN DEVELOPMENT.

If applicable, the notice requirements of T.C.A. §35-5-101 have been met.

If the U.S. Department of Treasury/IRS, the State of Tennessee Department of Revenue, or the State of

Tennessee Department of Labor or Workforce Development are listed as Interested Parties in the

advertisement, then the Notice of this foreclosure is being given to them and the Sale will be subject to

the applicable governmental entities’ right to redeem the property as required by 26 U.S.C. 7425 and T.C.

1433. §67-1-1433.

The scheduled foreclosure sale shall be cancelled or adjourned if it is established, by documented written

application of the mortgagor to the Foreclosure Commissioner not less than 3 days before the date of sale,

or otherwise, that the default or defaults upon which the foreclosure is based did not exist at the time of

service of this notice of default and foreclosure sale, or all amounts due under the mortgage agreement are

tendered to the Foreclosure Commissioner, in the form of a certified or cashier’s check payable to the

Secretary of HUD, before public auction of the property is completed.

The amount that must be paid if the mortgage is to be paid in full prior to the scheduled sale is

$79,918.33, 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 Commissioner’s

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.

Tender of payment by certified or cashier’s check or application for cancellation of the foreclosure sale

shall be submitted to the address of the Foreclosure Commissioner provided below.

Date: December 2, 2025

__________________________________

By Andrew Jensen, Attorney at Law, Bar No. 043120

Mackie Wolf Zientz & Mann, P.C.

Foreclosure Commissioner

Park East

725 Cool Springs Blvd, Suite 140

Franklin, TN 37067

(615) 238-3630

(615) 777-4517 Fax

MWZM File: 25-000043-430-1

TN INVESTORS PAGE: HTTP://MWZMLAW.COM/TN_INVESTORS.PHP

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NOTICE TO CREDITORS

Estate of Dwayne Dove No. 11314

Notice is hereby given that on the 15th  day of December 2025, Letters of Testamentary in respect to the estate of Dwayne Dove who died Testate, were issued to the undersigned by the Probate Court of Crockett County, Tennessee.

All persons, resident and non-resident, having claims, matured or unmatured, against the estate are required to file the same with the Clerk of the above-named Court in triplicate on or before the earlier of the dates prescribed in (1) or (2) otherwise their claims will be forever barred.

(1)    (A)  Four (4) months from the date of the first publication (or posting, as the case may be) of this notice if the creditor received an actual copy of this notice to creditors at least sixty (60) days before the date that is four (4) months from the date of the first publication (or posting); or

(B)  Sixty (60) days from the date the creditor received an actual copy of the notice to creditors if the creditor received the copy of the notice less than sixty (60) days prior to the date that is four (4) months from the date of first publication (or posting) as described in (1)(A); or 

(2)  Twelve (12) months from the decedent’s date of death.

This 15th day of December 2026.

Paul B. Conley, III, Executor

Estate of Dwayne Dove 

James Stephenson, Clerk & Master

Paul B. Conley, III  Attorney 

P.O. Box 323  

Alamo, Tennessee 38001

731-696-3735  

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NOTICE TO CREDITORS

Estate of Gladys D. Higgins McKnight No. 11317

Notice is hereby given that on the 18th day of December 2025, Letters of Testamentary in respect to the estate of Gladys D. Higgins McKnight who died Teststate, were issued to the undersigned by the Probate Court of Crockett County, Tennessee.

All persons, resident and non-resident, having claims, matured or unmatured, against the estate are required to file the same with the Clerk of the above-named Court in triplicate on or before the earlier of the dates prescribed in (1) or (2) otherwise their claims will be forever barred.

(1) (A) Four (4) months from the date of the first publication (or posting, as the case may be) of this notice if the creditor received an actual copy of this notice to creditors at least sixty (60) days before the date that is four (4) months from the date of the first publication (or posting); or

(B) Sixty (60) days from the date the creditor received an actual copy of the notice to creditors if the creditor received the copy of the notice less than sixty (60) days prior to the date that is four (4) months from the date of first publication (or posting) as described in (1)(A); or 

(2)  Twelve (12) months from the decedent’s date of death.

This 18th day of December 2025

Sheila Denise Carlton, Co-Petitioner

Russell Edward McKnight, Jr.,Co-Petitioner

Estate of Gladys D. Higgins McKnight

James Stephenson, Clerk & Master

Lauren A. Jones, Attorney

P.O. Box 160

Humboldt, TN.  38343

731-784-2818

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Notice of Meeting

The Crockett Public Utility District’s January board meeting has been moved to January 13th at 8 am in the district office.

12/31 RT

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