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Default having occurred in the payment of the debts and obligations by a certain Deed of Trust executed April 6, 2023 by Linda Kathryn Warrick, to Charles J. Pignuolo, as Trustee, as same appears of record in the Office of the Register of Deeds of White County, Tennessee at Book RB529, Page 3, (the “Deed of Trust”) and the undersigned having been appointed Substitute Trustee by instrument recorded at Book RB 581, Page 437, in the said Register’s Office; and the owner of the debt secured having requested the undersigned to advertise and sell the property described in and conveyed by said Deed of Trust, all of the said indebtedness having matured by default, at the option of the owner, this is to give notice that the undersigned will, on Wednesday, November 5, 2025, commencing at 11:00 a.m. at the main door of the Courthouse, Sparta, White County, Tennessee, proceed to sell at public outcry to the highest and best bidder for cash, the following described property, to wit:
Lying and being in the Fourth (4th) Civil District of White County, Tennessee, to wit:
Being Lot 5 of Willowbrook Subdivision, a plat of which is recorded in Plat Book 1, Page 330, in the Register’s Office of White County, Tennessee (ROWCT), to which plat reference is herein made for a more complete and accurate description.
Subject to any matters as shown of record in Plat Book 1, Page 330 and Restrictions of record in Book RB76, Page 158, Book RB79, Page 916, as Amended in Book RB83, Page 261, ROWCT.
This property has not been surveyed for this conveyance, and the description herein is being taken from the previous and last deed of record. Preparer of this instrument accepts no responsibility and/or liability for the accuracy of acreage, boundaries, or other such matters that would be disclosed by an accurate survey.
Being the same property conveyed to Linda Kathryn Warrick, an unmarried woman, by Warranty Deed, from Terrell Shad Prinkey and wife, Donna Prinkey, dated April 6, 2023, recorded April 10, 2023, of record in Book RB529, Page 1 in the Register’s Office for White County, Tennessee.
Together with all the improvements now or hereafter erected on the property, and all easements, appurtenances, and fixtures now or hereafter a part of the property. All replacements and additions shall also be covered by this Security Instrument. (The foregoing is hereinafter referred to as the “Real Property”.)
The Real Property includes a 1997 South NTA manufactured home bearing Serial No. DSE2AL10885AB, which was permanently affixed to the Real Property by that Affidavit of Affixation dated January 8, 2028 of record with the White County Register of Deeds at Book RB 242, Page 267.
Property Address: 186 Jenkins Road, Sparta, TN 38583
Parcel Id: 043-020.10
The Real Property bears the street address stated above; however, the street address is not a part of the legal description contained in the Deed of Trust. In the event of a discrepancy between the street address and the legal description, the legal description of the Deed of Trust shall control.
All statutory right and equity of redemption, all right of homestead, dower and right of appraisement are 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. Title is to be conveyed without any covenant or warranty, express or implied, and subject to all matters shown on any applicable recorded plat or plan; any unpaid ad valorem or other taxes and assessments (plus penalties, interest, and costs), and also subject to the right of redemption of the Internal Revenue Service or other taxing authority, any restrictive covenants, easements or setback lines that may be applicable; any rights of redemption, equity, statutory or otherwise, not otherwise waived in the Deed of Trust, including rights of redemption of any governmental agency, state or federal; and any and all prior Deed of trust, liens, dues, assessments, encumbrances, defects, adverse claims and other matters that may take priority over the Deed of Trust upon which this foreclosure sale is conducted or are not extinguished by this foreclosure sale. The notice required by 26 U.S.C. § 7425(b) to the United States has been timely given if applicable. The notice required by T.C.A. § 67-1-1433(b)(1) to the State of Tennessee has been timely given if applicable. The Substitute Trustee makes no covenant of seisin, marketability of title or warranty of title, express or implied, and will sell and convey the Property by Substitute Trustee’s Quitclaim Deeds from Substitute Trustee.
Interested Parties: Linda Kathryn Warrick
Owner of Debt: Cadence Bank
All announcements at the sale on the date of the sale will take priority over this notice. As to all or any part of the Property, the right is reserved to (i) delay, continue or adjourn the sale to another time certain or to another day and time certain, without further publication and in accordance with law, upon announcement of said delay, continuance or adjournment on the day and time and place of sale set forth above or any subsequent delayed, continued or adjourned day and time and place of sale; (ii) sell at the time fixed by this Notice or the date and time of the last delay, continuance or adjournment or to give new notice of sale; (iii) sell in such lots, parcels, segments, or separate estates as Substitute Trustee may choose; (iv) sell any part and delay, continue, adjourn, cancel, or postpone the sale of any part of the Property; (v) sell in whole and then sell in parts and consummate the sale in whichever manner produces the highest sale price; and/or (vi) to sell to the next highest bidder in the event any high bidder does not comply with the terms of the sale.
This notice has been duly published online at http://www.tnlegalpub.com, pursuant to Tenn. Code Ann. §35-5-101(a)(2).
This is an attempt to collect a debt, and any information obtained will be used for that purpose.
Todd H. Hancock
Ferraro Hancock and Associates, PLLC
4219 Hillsboro Pike, Suite 302
Nashville, TN 37215
Telephone: (615) 242-0060
Published: October 14 and 21, 2025
- 10/14/2025
- 11/05/2025
- 186 Jenkins Road
- Sparta
- 38583
