Default having been made in the payment of the debts and obligations secured to be paid in a certain Deed of Trust, executed the 24th day of July, 2017, by RACHEL J. SMITH, to H. McCall Wilson, Jr., as Trustee as the same appears of record in the Office of the Register of Tipton County, Tennessee, at Record Book 1729, Page 975; THOMAS M. MINOR having been appointed Substitute Trustee by Appointment of Substitute Trustee dated August 5, 2020, and being of record at Record Book 1856, Page 434 in the Register’s Office of Tipton County, Tennessee.

Whereas, THE BANK OF FAYETTE COUNTY the owners of the debt secured by said Deed of Trust, having requested the undersigned to advertise and sell the property described in and conveyed by said Deed of Trust, all of said indebtedness having matured by a default in the payment of the debt and obligations secured, at the option of the Owner, after being authorized to proceed with a sale under the aforesaid Deed of Trust in the event of a default there under, this is to give notice that the undersigned will on Friday, the 13th day of November, 2020, commencing at 12:00 noon, at the front door of the Courthouse in Covington, Tipton County, Tennessee, proceed to sell at public outcry to the highest and best bidder for cash, the following described property situated in Tipton County, Tennessee, to wit:

Land in Tipton County, Tennessee, being Lot 86, PARK PLACE SUBDIVISION, SECTION G, as shown on plat of record in Plat Book H, Page 139, in the Register’s Office, Tipton County, Tennessee, to which plat reference is hereby made for a more particular description of said property.


This being the same property which has been designated by the Tipton County Tax Assessor’s Office as Parcel 103.00, Group E, on Tax Map 111A.

This being the same property conveyed to Rachel Smith by Warranty Deed from Cowboy Construction Company, a Tennessee Corp., recorded on the 25th day of January, 2007 in Record Book 1321, Page 744, in the Register’s Office of Tipton County, Tennessee.

Property Address: 197 Vermont Ave, Munford, Tennessee 38058

Property Owner: Rachel Smith

The sale of the above described property shall be subject to unpaid property taxes, assessments, subdivision restrictions, building lines, easements and all other prior liens and encumbrances of record superior in right to Deed of Trust; In addition to, the following parties may claim an interest in the above referenced property: NONE.

All rights and equities of redemption, statutory right of redemption, homestead and dower and all other rights or exemptions of every kind are expressly waived and title is believed to be good, but the undersigned will only sell and convey only as Substitute Trustee.  The sale held pursuant to this notice may be rescinded at the Substitute Trustee’s option at any time.  The right is reserved to adjourn the day of the sale to another day certain without further publication, upon announcement of the time and place for the sale set forth herein.

WITNESS MY HAND, this the 19th day of October, 2020.







(901) 465-3117

Renee Baxter
Author: Renee Baxter