- MS-25-628
-
WHEREAS, Michelle Ann Harris, by Deed of Trust (the “Deed of Trust”), dated July 12, 2024, and recorded on July 17, 2024, in Volume Book 2382 at Page 2880 in the Register of Deeds Office of Montgomery County, Tennessee; and, conveyed to Wagon Wheel Title & Escrow LLC, Trustee, the hereinafter described real property to secure the payment of a certain Promissory Note (the “Note”) described in the Deed of Trust, which Note was payable to, Verde Capital, LLC; and
WHEREAS, McPhail Sanchez, LLC has been duly appointed Substitute Trustee by the owner and holder of the Note by instrument recorded in Volume Book 2453 at Page 5151, Montgomery County, Tennessee;
WHEREAS, default has been made in the payment of the Note; and
WHEREAS, the owner and holder of the Note has demanded that the hereinafter described real property be advertised and sold in satisfaction of the indebtedness and costs of foreclosure in accordance with the terms and provisions of the Note and Deed of Trust.
NOW, THEREFORE, notice is hereby given that an agent of McPhail Sanchez, LLC, Substitute Trustee, pursuant to the power, duty, and authority vested in and conferred by the Deed of Trust, on October 30, 2025 at 12:00 PM at the Montgomery County Courthouse located at 2 Millennium Plaza, Clarksville, TN will be sold to the highest call bidder for cash free from all legal, equitable and statutory rights of redemption, exemptions of homestead, rights by virtue of marriage, and all other exemptions of every kind, all of which have been waived in the Deed of Trust, certain real property located in Montgomery County, Tennessee, described as follows:
Tract 1:
A certain tract or parcel of land in Montgomery County, Tennessee, and more particularly described as follows:
Beginning at a 14 inch oak tree at fence corner on the Northerly margin of Cumberland City Road State Route (233) being the Southeast corner of Keatts Property and the Southwest corner of Parcel 2.03 Map 96 thence: leaving the North margin of road and with Keatts generally following a fence line for the following seven calls: North 05 degrees 38 minutes 35 seconds East for a distance of 140.58 feet to a point, thence: North 04 degrees 43 minutes 21 seconds West for a distance of 70.47 feet to a point, thence: North 05 degrees 19 minutes 54 seconds East for a distance of 76.12 feet to a point, thence: North 03 degrees 21 minutes 42 seconds East for a distance of 188.13 feet to a point, thence: North 01 degrees 42 minutes 14 seconds East for a distance of 103.76 feet to a point, thence: North 03 degrees 07 minutes 50 seconds East for a distance of 189.81 feet to a 14 inch ash tree in a fence row, thence North 14 degrees 30 minutes 07 seconds East for a distance of 82.14 feet to a 24 inch dead oak tree at a fence corner being Keatts Northeast corner and lying on the South line of the Clynelish property, thence: leaving Keatts and with Clynelish property for the following six calls and generally following a fence South 59 degrees 32 minutes 24 seconds East for a distance of 49.47 feet to a point, thence: South 80 degrees 11 minutes 34 seconds East for a distance of 64.90 feet to a point, thence: North 88 degrees 32 minutes 37 seconds East for a distance of 33.29 feet to a 1/2 iron rod found (I.R.F.) with a survey cap marked your TRLS No. 1562, thence: North 88 degrees 19 minutes 11 seconds East for a distance of 59.51 feet to a point, thence: North 82 degrees 26 minutes 18 seconds East for a distance of 141.75 feet to a 1/2 inch (I.R.F.) with a survey cap marked your TRLS No. 1562, thence: North 81 degrees 11 minutes 30 seconds East for a distance of 40.51 feet to a point, thence: South 89 degrees 25 minutes 23 seconds East for a distance of 9.83 feet to a 5/8 inch iron rod set (I.R.S.) with a survey cap marked T.B. mounts TN RLS No. 2150, thence: leaving Clynelish and with new severance lines for the following six calls: South 00 degrees 00 minutes 00 seconds East for a distance of 573.99 feet to a (I.R.S.) thence: North 76 degrees 13 minutes 35 seconds West for a distance of 201.78 feet to a (I.R.S.) thence: South 85 degrees 23 minutes 23 seconds West for a distance of 203.27 feet to a (I.R.S.) thence: South 04 degrees 26 minutes 13 seconds East for a distance of 161.06 feet to a (I.R.S.) thence: South 05 degrees 45 minutes 56 seconds West for a distance of 158.40 feet to a (I.R.S) lying on the North margin of aforementioned road; thence with the North margin of road North 75 degrees 20 minutes 37 seconds West for a distance of 50.61 feet to the point of beginning containing 235,542 square feet more or less or 5.41 acres more or less according to a survey by Timothy B. Mounts of T.B.M. land surveying at 639 Riversbend Road, Indian Mound, TN 37079 Tennessee registered land surveyor No. 2150 dated May 06, 2006, bearing based on Volume 752, Page 146, (R.O.M.C.T.)
Being the same property conveyed to Michelle Harris by Quitclaim Deed from Michelle Harris of record in Volume 1930, Page 2869, Register's Office for Montgomery County, Tennessee, dated December 05, 2019 and recorded on December 09, 2019.
Tract II:
A certain tract or parcel of land in Montgomery County, Tennessee, and more particularly described as follows:
Beginning at a point located in the Northerly right-of-way line of Cumberland City Road and further being 50.62 feet East from a point located in the Southeast corner of the Keatts Property (Volume 1902, Page 1874, ROMCT); thence leaving said right-of-way line of Cumberland City Road North 05 degrees 41 minutes 37 seconds East 148.48 feet to a point; thence North 04 degrees 22 minutes 44 seconds West 161.05 feet to a point; thence North 85 degrees 19 minutes 51 seconds East 203.27 feet to a point; thence South 76 degrees 13 minutes 13 seconds East 201.79 feet to a point; thence North 00 degrees 00 minutes 00 seconds East 573.56 feet to a point; thence South 89 degrees 44 minutes 59 seconds East 256.18 feet to a point; thence South 87 degrees 57 minutes 25 seconds East 386.06 feet to a point; thence North 77 degrees 38 minutes 56 seconds East 37.29 feet to a point; thence South 73 degrees 17 minutes 29 seconds East 76.37 feet to a point; thence South 00 degrees 00 minutes 00 seconds East 272.98 feet to a point located in the Northeast corner of Tract 10 (6.58 acres, more or less); thence North 90 degrees 00 minutes 00 seconds East 651.56 feet to a point located in the Northwest corner of Tract 10 (6.58 acres, more or less); thence South 00 degrees 00 minutes 00 seconds West 347.72 feet to a point; thence North 76 degrees 13 minutes 13 seconds West 154.45 feet to a point; thence North 76 degrees 13 minutes 13 seconds West 154.45 feet to a point; thence South 85 degrees 19 minutes 51 seconds West 150.50 feet to a point; thence South 00 degrees 00 minutes 00 seconds West 275.32 feet to a point located in the Northerly right-of-way line of Cumberland City Road; thence with said right-of-way line North 75 degrees 30 minutes 10 seconds West 52.68 feet to the point of beginning, containing 6.01 acres, more or less and being shown as Tract 9 according to a drawing of Timothy B. Mounts of TBM Land Surveying at 639 Riverbend Road, Indian Mound, TN 37079, TRLS No. 2150, dated May 6, 2006.
Beginning at a point located in the Northerly right-of-way line of Cumberland City Road and further being 565.29 feet East from a point located in the Southeast corner of the Keatts Property (Volume 1902, Page 1874, ROMCT); thence leaving said right-of-way line of Cumberland City Road North 00 degrees 00 minutes 00 seconds East 318.45 feet to a point; thence North 00 degrees 00 minutes 00 seconds East 347.72 feet to a point; thence North 90 degrees 00 minutes 00 seconds East 651.56 feet to a point; thence South 00 degrees 00 minutes 00 seconds East 399.41 feet to a point; thence North 86 degrees 15 minutes 02 seconds West 150.32 feet to a point; thence North 86 degrees 15 minutes 02 seconds West 150.32 feet to a point; thence North 86 degrees 15 minutes 02 seconds West 150.32 feet to a point; thence North 86 degrees 15 minutes 02 seconds West 151.89 feet to a point; thence South 00 degrees 00 minutes 00 seconds West 317.61 feet to a point located in the Northerly right-of-way line of Cumberland City Road; thence with said right-of-way line North 77 degrees 07 minutes 27 seconds West 51.28 feet to the point of beginning, containing 6.58 acres, more or less and being shown as Tract 10 according to a drawing of Timothy B. Mounts of TBM Land Surveying at 639 Riverbend Road, Indian Mound, TN 37079, TRLS No. 2150, dated May 6, 2006.
Being the same property conveyed to Michelle Harris by Quitclaim Deed from Michelle Harris of record in Volume 1930, page 2869, Register's Office for Montgomery County, Tennessee, dated December 05, 2019 and recorded on December 09, 2019.
The street address of the above-described property is believed to be 4563 Cumberland City Road, Indian Mound, TN 37079 but if such address is not part of the legal description of the property sold herein and in the event of any discrepancy, the legal description herein shall control.
Owner of Property: Michelle Ann Harris
Property ID: 096-00200-000
This sale is subject to any unpaid taxes, if any, any prior liens or encumbrances, leases, easements and all other matters which take priority over the deed of trust under which this foreclosure sale is conducted, including but not limited to the priority of any fixture filing. If the U.S. Department of the Treasury/Internal Revenue Service, the State of Tennessee Department of Revenue, or the State of Tennessee Department of Labor and 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, all as required by 26 U.S.C. 7425 and T.C.A. 67-1-1433. The notice requirements of T.C.A. 35-5-101 et seq. have been met.
The right is reserved to adjourn the day of the sale to another day, time and place certain without further publication, upon announcement at the time and place for the sale set forth above. The trustee/substitute trustee reserves the right to rescind the sale.
This sale is subject to all matters shown on any applicable recorded plat; any unpaid taxes; any restrictive covenants, easements or setback lines that may be applicable; any statutory rights of redemption of any governmental agency, state or federal; any prior liens or encumbrances as well as any priority created by a fixture filing; and to any matter that an accurate survey of the premises might disclose.
All right of equity of redemption, statutory and otherwise, and homestead are expressly waived in said Deed of Trust, and the title is believed to be good, but the undersigned will sell and convey only as Substitute Trustee. The right is reserved to adjourn the day of the sale to another day, time, and place certain without further publication, upon announcement at the time and place for the sale set forth above.
This Notice of Sale is being published pursuant to Tennessee Code Annotated Section 35-5-101 at http://www.TNLegalPub.com.
Publication Dates: 10/3/2025, 10/10/2025 & 10/17/2025.
McPhail Sanchez, LLC, Substitute Trustee
126 Government Street
Mobile, AL 36602
- 09/25/2025
- 10/30/2025
- 4563 Cumberland City Road
- Indian Mound
- 37079
