NOTICE TO CREDITORS  (I.C. 15-3-801)  Case No. CV09-24-1920  IN THE DISTRICT COURT OF THE FIRST JUDICIAL DISTRICT OF THE STATE OF IDAHO, IN AND FOR THE COUNTY OF BONNER  MAGISTRATE DIVISION  IN THE MATTER OF THE ESTATE OF:      MARGARET LOUISE CRANOR,   Deceased.  NOTICE IS HEREBY GIVEN that MATTHEW CRANOR has been appointed Personal Representative of the estate of the above-named decedent. All persons having claims against the decedent or the estate are required to present their claims within four (4) months after the date of the first publication of the Notice to Creditors, or within sixty (60) days after the undersigned mailed or delivered a copy of this Notice to such person, whichever is later, or said claims will be forever barred. Claims must be presented to Timothy B. Wilson, Attorney at Law, P.O. Box 3009, Bonners Ferry, Idaho 83805, and filed with the Clerk of Court.  DATED this 31st day of December 2024.  /s/TIMOTHY B. WILSON  Attorney for Personal Representative   Legal#6677 AD#31447 January 4, 11, 18, 2025 _________________________

NOTICE OF DEFAULT AND FORECLOSURE SALE TS No: 120641-ID APN: RP55N01W055990 NOTICE OF DEFAULT AND FORECLOSURE SALE WHEREAS, on 11/8/2013, a certain Mortgage Deed of Trust was executed by NIKKI MAIBAUM, AN UNMARRIED WOMAN as trustor in favor of MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC., AS BENEFICIARY, AS NOMINEE FOR PROFICIO MORTGAGE VENTURES, LLC, ITS SUCCESSORS AND ASSIGNS as beneficiary, and was recorded on 11/14/2013, as Instrument No. 853062, in the Office of the Recorder of Bonner County, Idaho; and WHEREAS, the Mortgage Deed of Trust 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 house; and  WHEREAS, the beneficial interest in the Mortgage Deed of Trust is now owned by the Secretary, pursuant to an assignment dated 10/11/2019, recorded on 10/29/2019, as instrument number 947811, in the office of Bonner County, Idaho; and WHEREAS, a default has been made in the covenants and conditions of the Mortgage Deed of Trust in that the payment due upon the death of the borrower(s) was not made and remains wholly unpaid as of the date of this notice, and no payment has been made sufficient to restore the loan to currency; and WHEREAS, the entire amount delinquent as of 12/23/2024 is $401,067.16; and WHEREAS, by virtue of this default, the Secretary has declared the entire amount of the indebtedness secured by the Mortgage Deed of Trust to be immediately due and payable; NOW THEREFORE, pursuant to powers vested in me 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 me as Foreclosure Commissioner, SEE ATTACHED, notice is hereby given that on 2/3/2025 at 10:00 AM local time, all real and personal property at or used in connection with the following described premises (“Property”) will be sold at public auction to the highest bidder: Legal Description: PARCEL 1: THAT PORTION OF THE SOUTHWEST QUARTER OF SECTION 5, TOWNSHIP 55 NORTH, RANGE 1 WEST, BOISE MERIDIAN, BONNER COUNTY, IDAHO DESCRIBED AS FOLLOWS: COMMENCING AT THE SOUTHWEST CORNER OF LOT 8, BLOCK 1, PONDEROSA TERRACE ESTATES, AS RECORDED IN BOOK 3 OF PLATS, PAGE 22, RECORDS OF BONNER COUNTY, IDAHO; THENCE SOUTH 89°14’54” WEST, ALONG THE SOUTH LINE OF SAID PLAT AND THE WESTERLY PROJECTION THEREOF, A DISTANCE OF 495.53 FEET TO A CORNER OF THE ROOF TUNNEL MINERAL SURVEY NO. 1743; THENCE NORTH 05°55’37” EAST, ALONG THE EAST LINE OF SAID MINERAL SURVEY, A DISTANCE OF 58.54 FEET TO CORNER NUMBER 2 OF SAID MINERAL SURVEY; THENCE NORTH 79°11’23” WEST, ALONG THE NORTHEASTERLY LINE OF SAID MINERAL SURVEY, A DISTANCE OF 51.0 FEET TO THE TRUE POINT OF BEGINNING; THENCE NORTH 02°10’00” EAST, A DISTANCE OF 90.09 FEET; THENCE NORTH 22°56’41” WEST, A DISTANCE OF 36.48 FEET; THENCE NORTH 02°47’51” WEST, A DISTANCE OF 127.70 FEET; THENCE NORTH 27°22’51” WEST, A DISTANCE OF 195.99 FEET; THENCE NORTH 79°11’23” WEST, A DISTANCE OF 30.00 FEET; THENCE SOUTH 27°22’51” EAST, A DISTANCE OF 195.99 FEET; THENCE SOUTH 02°47’51” EAST, A DISTANCE OF 127.70 FEET; THENCE SOUTH 22°56’41” EAST, A DISTANCE OF 36.48 FEET; THENCE SOUTH 02°10’00” WEST, A DISTANCE OF 90.09 FEET TO THE NORTH LINE OF SAID MINERAL SURVEY; THENCE SOUTH 79°11’23” EAST, ALONG THIS LINE TO THE TRUE POINT OF BEGINNING; EXCEPTING THEREFROM ANY PORTION OF SAID LAND, IF ANY, THAT LIES WITHIN THE ROOF TUNNEL MINERAL SURVEY- NO. 1743. ALSO EXCEPTING THEREFROM ANY PORTION OF SAID LAND, IF ANY THAT LIES WITHIN THAT PROPERTY CONVEYED TO GARY M. MCCOLLEY, A SINGLE MAN, BY DEED RECORDED DECEMBER 23, 1981, IN BOOK 208 OF DEEDS, PAGE 72, AND RE¬ RECORDED SEPTEMBER 1, 1983 AS INSTRUMENT NO. 274867, RECORDS OF BONNER COUNTY, IDAHO. PARCEL 2: A TRACT OF LAND LOCATED IN SECTION 5, TOWNSHIP 55 NORTH, RANGE 1 WEST, BOISE MERIDIAN, BONNER COUNTY, IDAHO, MORE FULLY DESCRIBED AS FOLLOWS: COMMENCING AT THE SOUTHWEST CORNER OF LOT 8, BLOCK 1, PONDEROSA TERRACE ESTATES SUBDIVISION AS RECORDED IN BOOK 3 OF PLATS, PAGE 22, RECORDS OF BONNER COUNTY, IDAHO; THENCE SOUTH 89°14’54” WEST, A DISTANCE OF 56.23 FEET; THENCE SOUTH 87°52’37” WEST, A DISTANCE OF 96.68 FEET TO THE TRUE POINT OF BEGINNING; THENCE SOUTH 87°52’37” WEST, A DISTANCE OF 342.18 FEET; THENCE NORTH 7°48’07” WEST, A DISTANCE OF 105.39 FEET; THENCE NORTH 22°56’41” WEST, A DISTANCE OF 105.87 FEET; THENCE NORTH 02°47’51” VEST, A DISTANCE OF 127.70 FEET; THENCE NORTH 27°22’52” WEST, A DISTANCE OF 195.99 FEET; THENCE SOUTH 58°00’00” EAST, A DISTANCE OF 149.51 FEET; THENCE SOUTH 35°00’00” EAST, A DISTANCE OF 160.00 FEET; THENCE SOUTH 58°00’00” EAST, A DISTANCE OF 222.81 FEET; THENCE SOUTH 28°00’00” EAST, A DISTANCE OF 183.98 FEET TO THE POINT OF BEGINNING. EXCEPTING THEREFROM ANY PORTION OF SAID LAND, IF ANY, THAT LIES WITHIN THE ROOF TUNNEL MINERAL SURVEY NO. 1743. EXCEPTING THEREFROM ANY PORTION OF SAID LAND, IF ANY THAT LIES WITHIN THAT PROPERTY CONVEYED TO GARY M. MCCOLLEY, A SINGLE MAN, BY DEED RECORDED DECEMBER 23, 1981, IN BOOK 208 OF DEEDS, PAGE 72, AND RE¬ RECORDED SEPTEMBER 1, 1983 AS INSTRUMENT NO. 274867, RECORDS OF BONNER COUNTY, IDAHO. PARCEL 3: THAT PORTION OF THE SOUTHWEST QUARTER OF SECTION 5, TOWNSHIP 55 NORTH, RANGE 1 WEST, BOISE MERIDIAN, BONNER COUNTY, IDAHO DESCRIBED AS FOLLOWS: COMMENCING AT THE SOUTHWEST CORNER OF LOT 8, BLOCK 1, OF THE PLAT OF PONDEROSA TERRACE ESTATES, AS RECORDED IN BOOK 3 OF PLATS, PAGE 22, RECORDS OF BONNER COUNTY, IDAHO; THENCE SOUTH 89°14’54” WEST, A DISTANCE OF 56.23 FEET TO THE WESTERLY RIGHT OF WAY OF A ROAD AS SHOWN ON SAID PLAT OF PONDEROSA TERRACE ESTATES; THENCE CONTINUING SOUTH 89°14’54” WEST, A DISTANCE OF 439.30 FEET TO THE CLOSING CORNER OF THE ROOF TOP PATENTED- MINING CLAIM; THENCE NORTH 05°55’37” EAST, ALONG THE SOUTHEASTERLY LINE OF SAID CLAIM, A DISTANCE OF 58.54 FEET TO THE NORTHEASTERLY CORNER AND ALSO CORNER NUMBER 2 OF SAID CLAIM; THENCE NORTH 79°11’23” WEST, ALONG THE NORTH LINE OF SAID CLAIM, A DISTANCE OF 15.42 FEET TO THE TRUE POINT OF BEGINNING; THENCE CONTINUING NORTH 79°11’23” WEST, ALONG SAID NORTH LINE, A DISTANCE OF 35.58 FEET; THENCE NORTH 02°10’00” EAST, A DISTANCE OF 90.09 FEET; THENCE SOUTH 22°56’41” EAST, A DISTANCE OF 69.39 FEET; THENCE SOUTH 7°48’07” EAST, A DISTANCE OF 33.10 FEET TO THE TRUE POINT OF BEGINNING; EXCEPTING THEREFROM ANY PORTION OF SAID LAND, IF ANY, THAT LIES WITHIN THE ROOF TUNNEL MINERAL SURVEY NO. 1743. ALSO EXCEPTING THEREFROM ANY PORTION OF SAID LAND, IF ANY, THAT LIES WITHIN THE PROPERTY CONVEYED TO GARY M. MCCOLLEY, A SINGLE MAN, BY DEED RECORDED DECEMBER 23, 1981, IN BOOK 208 OF DEEDS, PAGE 72 AND RE-RECORDED SEPTEMBER 1, 1983 AS INSTRUMENT NO. 274867, RECORDS OF BONNER COUNTY, IDAHO. PARCEL 4: A TRACT OF LAND IN SECTION 5, TOWNSHIP 55 NORTH, RANGE 1 WEST, BOISE MERIDIAN, BONNER COUNTY, IDAHO, MORE FULLY DESCRIBED AS FOLLOWS: COMMENCING AT THE SOUTHWEST CORNER OF LOT 8, BLOCK 1, PONDEROSA TERRACE ESTATES SUBDIVISION AS RECORDED IN BOOK 3 OF PLATS, PAGE 22, RECORDS OF BONNER COUNTY, IDAHO; THENCE SOUTH 89°14’54” WEST, A DISTANCE OF 56.23 FEET; THENCE SOUTH 87°52’37” WEST, A DISTANCE OF 438.86 FEET TO THE BLM BRASS CAP MONUMENT; THENCE NORTH 05°55’37” EAST, A DISTANCE OF 58.54 FEET MORE OR LESS TO A BLM BRASS CAP MONUMENT WHICH IS CORNER NUMBER 2 OF THE ROOF TUNNEL MINING CLAIM, MINERAL SURVEY NO. 1743 WHICH IS THE POINT OF BEGINNING; THENCE SOUTH 05°55’37” WEST, ALONG THE 2-3 LINE OF MINERAL SURVEY NO. 1743 A DISTANCE OF 300 FEET; THENCE NORTHWESTERLY TO A POINT ON THE MINERAL SURVEY NO. 1743, 1-2 LINE; THENCE SOUTH 79°11’23” EAST ALONG THE MINERAL SURVEY NO. 1743, 1-2 LINE A DISTANCE OF 81 FEET TO POINT OF BEGINNING. MORE ACCURATELY DESCRIBED AS: PARCEL 1: THAT PORTION OF THE SOUTHWEST QUARTER OF SECTION 5, TOWNSHIP 55 NORTH, RANGE 1 WEST, BOISE MERIDIAN, BONNER COUNTY, IDAHO DESCRIBED AS FOLLOWS: COMMENCING AT THE SOUTHWEST CORNER OF LOT 8, BLOCK 1, PONDEROSA TERRACE ESTATES, AS RECORDED IN BOOK 3 OF PLATS, PAGE 22, RECORDS OF BONNER COUNTY, IDAHO; THENCE SOUTH 89°14’54” WEST, ALONG THE SOUTH LINE OF SAID PLAT AND THE WESTERLY PROJECTION THEREOF, A DISTANCE OF 495.53 FEET TO A CORNER OF THE ROOF TUNNEL MINERAL SURVEY NO. 1743; THENCE NORTH 05°55’37” EAST, ALONG THE EAST LINE OF SAID MINERAL SURVEY, A DISTANCE OF 58.54 FEET TO CORNER NUMBER 2 OF SAID MINERAL SURVEY; THENCE NORTH 79°11’23” WEST, ALONG THE NORTHEASTERLY LINE OF SAID MINERAL SURVEY, A DISTANCE OF 51.0 FEET TO THE TRUE POINT OF BEGINNING; THENCE NORTH 02°10’00” EAST, A DISTANCE OF 90.09 FEET; THENCE NORTH 22°56’41” WEST, A DISTANCE OF 36.48 FEET; THENCE NORTH 02°47’51” WEST, A DISTANCE OF 127.70 FEET; THENCE NORTH 27°22’51” WEST, A DISTANCE OF 195.99 FEET; THENCE NORTH 79°11’23” WEST, A DISTANCE OF 30.00 FEET; THENCE SOUTH 27°22’51” EAST, A DISTANCE OF 195.99 FEET; THENCE SOUTH 02°47’51” EAST, A DISTANCE OF 127.70 FEET; THENCE SOUTH 22°56’41” EAST, A DISTANCE OF 36.48 FEET; THENCE SOUTH 02°10’00” WEST, A DISTANCE OF 90.09 FEET TO THE NORTH LINE OF SAID MINERAL SURVEY; THENCE SOUTH 79°11’23” EAST, ALONG THIS LINE TO THE TRUE POINT OF BEGINNING; EXCEPTING THEREFROM ANY PORTION OF SAID LAND, IF ANY, THAT LIES WITHIN THE ROOF TUNNEL MINERAL SURVEY- NO. 1743. ALSO EXCEPTING THEREFROM ANY PORTION OF SAID LAND, IF ANY THAT LIES WITHIN THAT PROPERTY CONVEYED TO GARY M. MCCOLLEY, A SINGLE MAN, BY DEED RECORDED DECEMBER 23, 1981, IN BOOK 208 OF DEEDS, PAGE 72, AND RE¬ RECORDED SEPTEMBER 1, 1983 AS INSTRUMENT NO. 274867, RECORDS OF BONNER COUNTY, IDAHO. PARCEL 2: A TRACT OF LAND LOCATED IN SECTION 5, TOWNSHIP 55 NORTH, RANGE 1 WEST, BOISE MERIDIAN, BONNER COUNTY, IDAHO, MORE FULLY DESCRIBED AS FOLLOWS: COMMENCING AT THE SOUTHWEST CORNER OF LOT 8, BLOCK 1, PONDEROSA TERRACE ESTATES SUBDIVISION AS RECORDED IN BOOK 3 OF PLATS, PAGE 22, RECORDS OF BONNER COUNTY, IDAHO; THENCE SOUTH 89°14’54” WEST, A DISTANCE OF 56.23 FEET; THENCE SOUTH 87°52’37” WEST, A DISTANCE OF 96.68 FEET TO THE TRUE POINT OF BEGINNING; THENCE SOUTH 87°52’37” WEST, A DISTANCE OF 342.18 FEET; THENCE NORTH 7°48’07” WEST, A DISTANCE OF 105.39 FEET; THENCE NORTH 22°56’41” WEST, A DISTANCE OF 105.87 FEET; THENCE NORTH 02°47’51” WEST, A DISTANCE OF 127.70 FEET; THENCE NORTH 27°22’52” WEST, A DISTANCE OF 195.99 FEET; THENCE SOUTH 58°00’00” EAST, A DISTANCE OF 149.51 FEET; THENCE SOUTH 35°00’00” EAST, A DISTANCE OF 160.00 FEET; THENCE SOUTH 58°00’00” EAST, A DISTANCE OF 222.81 FEET; THENCE SOUTH 28°00’00” EAST, A DISTANCE OF 183.98 FEET TO THE POINT OF BEGINNING. EXCEPTING THEREFROM ANY PORTION OF SAID LAND, IF ANY, THAT LIES WITHIN THE ROOF TUNNEL MINERAL SURVEY NO. 1743. EXCEPTING THEREFROM ANY PORTION OF SAID LAND, IF ANY THAT LIES WITHIN THAT PROPERTY CONVEYED TO GARY M. MCCOLLEY, A SINGLE MAN, BY DEED RECORDED DECEMBER 23, 1981, IN BOOK 208 OF DEEDS, PAGE 72, AND RE¬ RECORDED SEPTEMBER 1, 1983 AS INSTRUMENT NO. 274867, RECORDS OF BONNER COUNTY, IDAHO. PARCEL 3: THAT PORTION OF THE SOUTHWEST QUARTER OF SECTION 5, TOWNSHIP 55 NORTH, RANGE 1 WEST, BOISE MERIDIAN, BONNER COUNTY, IDAHO DESCRIBED AS FOLLOWS: COMMENCING AT THE SOUTHWEST CORNER OF LOT 8, BLOCK 1, OF THE PLAT OF PONDEROSA TERRACE ESTATES, AS RECORDED IN BOOK 3 OF PLATS, PAGE 22, RECORDS OF BONNER COUNTY, IDAHO; THENCE SOUTH 89°14’54” WEST, A DISTANCE OF 56.23 FEET TO THE WESTERLY RIGHT OF WAY OF A ROAD AS SHOWN ON SAID PLAT OF PONDEROSA TERRACE ESTATES; THENCE CONTINUING SOUTH 89°14’54” WEST, A DISTANCE OF 439.30 FEET TO THE CLOSING CORNER OF THE ROOF TOP PATENTED- MINING CLAIM; THENCE NORTH 05°55’37” EAST, ALONG THE SOUTHEASTERLY LINE OF SAID CLAIM, A DISTANCE OF 58.54 FEET TO THE NORTHEASTERLY CORNER AND ALSO CORNER NUMBER 2 OF SAID CLAIM; THENCE NORTH 79°11’23” WEST, ALONG THE NORTH LINE OF SAID CLAIM, A DISTANCE OF 15.42 FEET TO THE TRUE POINT OF BEGINNING; THENCE CONTINUING NORTH 79°11’23” WEST, ALONG SAID NORTH LINE, A DISTANCE OF 35.58 FEET; THENCE NORTH 02°10’00” EAST, A DISTANCE OF 90.09 FEET; THENCE SOUTH 22°56’41” EAST, A DISTANCE OF 69.39 FEET; THENCE SOUTH 7°48’07” EAST, A DISTANCE OF 33.10 FEET TO THE TRUE POINT OF BEGINNING; EXCEPTING THEREFROM ANY PORTION OF SAID LAND, IF ANY, THAT LIES WITHIN THE ROOF TUNNEL MINERAL SURVEY NO. 1743. ALSO EXCEPTING THEREFROM ANY PORTION OF SAID LAND, IF ANY, THAT LIES WITHIN THE PROPERTY CONVEYED TO GARY M. MCCOLLEY, A SINGLE MAN, BY DEED RECORDED DECEMBER 23, 1981, IN BOOK 208 OF DEEDS, PAGE 72 AND RE-RECORDED SEPTEMBER 1, 1983 AS INSTRUMENT NO. 274867, RECORDS OF BONNER COUNTY, IDAHO. PARCEL 4: A TRACT OF LAND IN SECTION 5, TOWNSHIP 55 NORTH, RANGE 1 WEST, BOISE MERIDIAN, BONNER COUNTY, IDAHO, MORE FULLY DESCRIBED AS FOLLOWS: COMMENCING AT THE SOUTHWEST CORNER OF LOT 8, BLOCK 1, PONDEROSA TERRACE ESTATES SUBDIVISION AS RECORDED IN BOOK 3 OF PLATS, PAGE 22, RECORDS OF BONNER COUNTY, IDAHO; THENCE SOUTH 89°14’54” WEST, A DISTANCE OF 56.23 FEET; THENCE SOUTH 87°52’37” WEST, A DISTANCE OF 438.86 FEET TO THE BLM BRASS CAP MONUMENT; THENCE NORTH 05°55’37” EAST, A DISTANCE OF 58.54 FEET MORE OR LESS TO A BLM BRASS CAP MONUMENT WHICH IS CORNER NUMBER 2 OF THE ROOF TUNNEL MINING CLAIM, MINERAL SURVEY NO. 1743 WHICH IS THE POINT OF BEGINNING; THENCE SOUTH 05°55’37” WEST, ALONG THE 2-3 LINE OF MINERAL SURVEY NO. 1743 A DISTANCE OF 300 FEET; THENCE NORTHWESTERLY TO A POINT ON THE MINERAL SURVEY NO. 1743, 1-2 LINE; THENCE SOUTH 79°11’23” EAST ALONG THE MINERAL SURVEY NO. 1743, 1-2 LINE A DISTANCE OF 81 FEET TO POINT OF BEGINNING. Commonly known as: 530 PONDEROSA ROAD, SAGLE ID 83860 The sale will be held at: at the BONNER COUNTY COURTHOUSE, 215 S. FIRST AVE., SANDPOINT, ID 83864 Per the Secretary of Housing and Urban Development, the estimated opening bid will be $409,070.20. 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, the winning bidders with the exception of the Secretary must submit a deposit totaling ten percent (10%) of the Secretary’s estimated bid amount in the form of a certified check or cashier’s check made payable to the undersigned Foreclosure Commissioner. Ten percent of the estimated bid amount for this sale is $40,907.02. A deposit need not accompany each oral bid. If the successful bid is oral, a deposit of $40,907.02 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 cashiers 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 extensions 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. 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 Deed of Trust is to be reinstated prior to the scheduled sale is based on the nature of the breach, this loan is not subject to reinstatement. A total payoff is required to cancel the foreclosure sale or the breach must be otherwise cured. A description of the default is as follows: FAILURE TO PAY THE PRINCIPAL BALANCE AND ANY OUTSTANDING FEES, COSTS, AND INTEREST WHICH BECAME ALL DUE AND PAYABLE BASED UPON THE DEATH OF ALL MORTGAGORS.      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 23, 2024 CLEAR RECON CORP Foreclosure Commissioner  By:     Hamsa Uchi Title: Foreclosure Supervisor 3597 E. Monarch Sky Lane, Ste. 240 Meridian, ID 83646 Phone: (858) 750-7777 Fax No: (858) 412-2705  Legal#6687 AD#31539 January 11, 18, 25, 2025 _________________________

NOTICE TO CREDITORS  Case No. CV09-24-1966  IN THE DISTRICT COURT OF THE FIRST JUDICIAL DISTRICT OF THE STATE OF IDAHO, IN AND FOR THE COUNTY OF BONNER  MAGISTRATE DIVISION  IN THE MATTER OF THE ESTATE OF   RONALD BRUCE SPEARS, Deceased. NOTICE IS HEREBY GIVEN that CAREY ANN SPEARS has been appointed personal representative of the above-named decedent. All persons having claims against the decedent or the estate are required to present their claims within four months after the date of the first publication of this notice or said claims will be forever barred.  Claims must be presented to the undersigned at the address indicated, and filed with the Clerk of Court.  DATED this 8th day of January, 2025.  /s/ J. T. Diehl Attorney for Personal Representative  106 Superior Street  Sandpoint, Idaho 83864  (208)263-8529  Legal#6697 AD#31655 January 11, 18, 25, 2025 _________________________

Notice of Petition for Judicial De-Annexation from City of Dover. A number of agricultural landowners currently within the City of Dover filed a petition seeking judicial de-annexation of certain parcels of land pursuant to Idaho Code Section 50-226 et seq. The properties, which lie along the western border of the Dover City limits and north of Highway 2, are exclusively used for agricultural purposes. Their de-annexation would not adversely affect the City’s ability to provide services to other areas or otherwise hinder the growth and development of the City. These properties are not currently benefiting from City services. A hearing on this Petition is scheduled for February 24-26, 2025, beginning at 9:00 a.m. each day, before the Honorable Susie Jensen at the Bonner County Courthouse in Sandpoint, Idaho. Written objections to the Petition, if any, may be filed on or before February 22, 2025 with the clerk of court for Bonner County, Idaho.   Legal#6698 AD#31657 January 11, 18, 2025 _________________________

TRUSTEE’S NOTICE OF SALE  Idaho Code 45-1506  Today’s Date: August 22, 2024  File No.: 30057.31698  1. TIME OF SALE.  Date: January 23, 2025  Time: 11:00 a.m.  Place: Bonner County Courthouse, front steps, 215 S. 1st Avenue, Sandpoint, ID 83864   Property Address: 151 Springdale Gardens, Priest River, ID 83856  Successor Trustee: Todd R. Johnston  Hershner Hunter, LLP  PO Box 1475  Eugene, OR 97440  (541) 686-0344    2. PARTIES:    Grantor:  DAVID L. DILLEY  Trustee:  FIRST AMERICAN TITLE INSURANCE COMPANY  Successor Trustee:  TODD R. JOHNSTON  Beneficiary: UMPQUA BANK, SUCCESSOR BY MERGER WITH COLUMBIA STATE BANK    3. PLEASE TAKE NOTCE. The Successor Trustee will sell at public auction to the highest bidder for certified funds or equivalent the property described above. The property address is identified to comply with IC 60-113 but is not warranted to be corrected. The property’s legal description is:  All that portion of the following described tract lying East of the County Road: The South 600 feet of Government Lot 3 in Section 25, Township 56 North, Range 5 West, Boise Meridian, Bonner County, Idaho. Also a tract described as follows: Beginning at the Southeast corner of said Section 25, Township 56 North, Range 5 West; thence North 600 feet; thence West to the West right of way of the County Road this being the True Point of Beginning; thence Continuing West 40 feet; thence South 30 feet: thence East to the West right of way line to County Road; thence Northerly along said West right of way line to the True Point of Beginning.    4. RECORDING. The Trust Deed was recorded as follows:  Date Recorded: December 10, 2018  Recording No. 932051  Official Records of Bonner County, Idaho  5. DEFAULT. The Grantor or any other person obligated on the Trust Deed and Promissory Note secured thereby is in default and the Beneficiary seeks to foreclose the Trust Deed for failure to pay: Variable monthly payments due the twentieth (20) of each month, for the months of February 2024 through August 2024; plus late charges and advances; plus any unpaid real property taxes or liens, plus interest.  6. AMOUNT DUE. The amount due on the Note which is secured by the Trust Deed referred to herein is: Principal balance in the amount of $70,834.29; plus interest at a variable rate from January 20, 2024; plus late charges of $117.10; plus advances and foreclosure attorney fees and costs.  FAIR DEBT COLLECTION PRACTICES ACT NOTICE    THIS COMMUNICATION IS FROM A DEBT COLLECTOR AND IS AN ATTEMPT TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. If this debt has been discharged in a bankruptcy proceeding, this is not an attempt to collect the personal obligation, but rather an enforcement of the security interest granted by the deed of trust.   Legal#6702 AD#31692 January 11, 18, 2025

MINUTES FOR THE BONNER COUNTY BOARD OF COMMISSIONERS’ MEETING December 3, 2024 CLERK – Approved payment of the FY25 Claims in Batch #09, totaling $457,957.91. Approved payment of the FY25 EMS Claims in Batch #09, totaling $7,357.13. PLANNING – Motion that Planning move ahead with the scheduled workshops. RISK MANAGEMENT – Approved signing and paying the SafetyPlus contract for $10,000 out of the Tort 024-6490 Education fund, for which has been budgeted. JUSTICE SERVICES – Approved Bonner County Justice Services submission of grant funds through OUR Rescue. BOCC – Approved the travel and conference expense reimbursement request for Commissioner Elect Brian Domke for the November 2024 IAC Fall County Officials Institute in the amount of $486. The meeting was adjourned at 9:39 a.m. ___________ The following is a summary of the Board of County Commissioners’ Special Meetings (including Tax Cancellations, Assistance Meetings/Admin and other) Executive Sessions, Emergency Meetings, and Hearings held during the week of November 26, 2024 – December 2, 2024. Copies of the complete meeting minutes are available upon request. Wednesday, November 27, 2024, Tax Cancellations were held pursuant to Idaho Code §74-204 (2). Monday, December 2, 2024, a Department Head Meeting was held pursuant to Idaho Code §74-204 (2). Legal#6713 AD#31797 January 18, 2025 _________________________ A

MINUTES FOR THE BONNER COUNTY BOARD OF COMMISSIONERS’ MEETING December 10, 2024 CLERK – Approved payment of the FY25 Claims in Batch #10, totaling $612,387.86. Approved payment of the FY25 EMS Claims in Batch #10, totaling $16,637.31. DMV – Approved the above-referenced MOA between Bonner County and Idaho Parks & Recreation which allows Bonner County Motor Vehicles – Ponderay to continue selling Parks & Recreations stickers, receiving $1.50 per transaction. Approved the above-referenced MOA between Bonner County and Idaho Parks & Recreation which allows Bonner County Motor Vehicles – Priest River to continue selling Parks & Recreations stickers, receiving $1.50 per transaction. PLANNING – Motion that the Board of County Commissioners exercise its authority via BCRC 12-315 H to interpret the zoning boundary on RP60N04W273750A to be entirely zoned Recreation and that there are mapping discrepancies that will be corrected by the County in the future; motion failed. Motion that the Board of County Commissioners exercise its authority via BCRC 12-315 H to interpret the zoning boundary on RP60N04W273750A to be zoned Recreation and AF/10 as shows on the official zone map. HUMAN RESOURCES – Approved the 1099 Fire agreement effective December 10, 2024. TECHNOLOGY – Discussed and voted on during a Special Meeting on 12/09/2024 due to timeliness (Action Item: Discussion Regarding Adobe Acrobat Renewal; Action Item: Discussion Regarding Foxit Subscription Agreement) BOCC – Motion that departments submit their contract renewals with a minimum of 90 days prior to the renewal period for the board to review. Motion that Bonner County discontinued continued monthly payments in the amount of $5000.00 per month to Mr. Kirtley and/or IDS. Approved recommendation as stated for Storage, Retention, and Review Requirements for Contracts, Agreements, and Licenses Inclusive of External Vendor Agreements. EXECUTIVE SESSION – At 10:52 a.m. Commissioner Korn made a motion to go into Executive Session pursuant to Idaho Code § 74-206(1)(B) Personnel. Commissioner Bradshaw seconded the motion. Roll Call Vote: Commissioner Williams – Yes; Commissioner Korn – Yes; Commissioner Bradshaw – Yes. The motion carries. Reconvened at 12:45 p.m. Commissioner Williams stepped down from the chair and made a motion as it relates to Clark fork Ambulance and the Fairboard Letters of Interest, we proceed with interviewing everyone that applied. Commissioner Korn seconded the motion. Roll Call Vote: Commissioner Korn – Yes; Commissioner Bradshaw – Absent; Commissioner Williams – Yes. The motion carries. Commissioner Williams stepped down from the chair and made a motion that with respect to the Solid Waste Advisory Committee, we received additional Letters of Interest post-closing; in order to allow the Board to review additional letters. The Board of Commissioners open up the Advisory Committee Letters of Interest through March 30, 2024, at 5:00 p.m. but we interview for additional positions with the applications we have received and fill as needed moving forward. Commissioner Korn seconded the motion. Roll Call Vote: Commissioner Korn – Yes; Commissioner Bradshaw – Absent; Commissioner Williams – Yes. The motion carries. The meeting was adjourned at 12:47 p.m. _____________ The following is a summary of the Board of County Commissioners’ Special Meetings (including Tax Cancellations, Assistance Meetings/Admin and other) Executive Sessions, Emergency Meetings, and Hearings held during the week of December 3, 2024 – December 9, 2024. Copies of the complete meeting minutes are available upon request. Thursday, December 5, 2024, a Planning Update was held pursuant to Idaho Code § 74-204(2). Monday, December 9, 2024, an Executive Session was held pursuant to Idaho Code § 74-206(1)(D), Records Exempt. Legal#6714 AD#31800 January 18, 2025 _________________________

MINUTES FOR THE BONNER COUNTY BOARD OF COMMISSIONERS’ MEETING December 17, 2024 CLERK – Approved payment of the FY25 Claims in Batch #11, totaling $467,997.36. Approve payment of the FY25 EMS Claims in Batch #11, totaling $ Totaling $9,878.28. PARKS & WATERWAYS/GROOMERS – Approved signing the Master Challenge Cost Share Agreement Between Idaho Parks and Recreation, USDA Forest Service, and Bonner County. PLANNING – Approved Project File S0002-22 Cedar Park 2nd Addition. HUMAN RESOURCES – Motion to send policy back to HR for revisions. The meeting was adjourned at 10:37 a.m. _____________ The following is a summary of the Board of County Commissioners’ Special Meetings (including Tax Cancellations, Assistance Meetings/Admin and other) Executive Sessions, Emergency Meetings, and Hearings held during the week of December 10, 2024 – December 16, 2024. Copies of the complete meeting minutes are available upon request. Tuesday, December 10, 2024, a USFS Update was held pursuant to Idaho Code § 74-204(2). Wednesday, December 11, 2024, Tax Cancellations were held pursuant to Idaho Code § 74-204(2). Wednesday, December 11, 2024, a Planning Hearing was held pursuant to Idaho Code § 74-204(2). Thursday, December 12, 2024, a Planning Meeting was held pursuant to Idaho Code § 74-204(2). Monday, December 16, 2024, an Executive Session was held pursuant to Idaho Code § 74-206(1)(F) Litigation. Tuesday, December 17, 2024, an Executive Session was held pursuant to Idaho Code § 74-206(1)(B) Personnel. Legal#6715 AD#31802 January 18, 2025 _________________________

MINUTES FOR THE BONNER COUNTY BOARD OF COMMISSIONERS’ MEETING December 31, 2024 CLERK – Approved payment of the FY25 Claims in Batch #13, totaling $828,730.30. Approved payment of the FY25 EMS Claims in Batch #13, totaling $1,004.78. Approved the FY 2024 County Indigent Expense Report. SHERIFF – Approved Resolution #2024-90 authorizing Undersheriff Ror Lakewold to award Detention Deputy Donald Alt his handgun, badge, and retired ID card. Approved Resolution #2024-91 authorizing Undersheriff Ror Lakewold to award Patrol Sergeant Christopher Bell his handgun, badge, and retired ID card. NOXIOUS WEEDS – Approved the 2025 Selkirk Cooperative Weed Management Area’s Annual Operating Plan and associated cost share application for a request from the Idaho State Department of Agriculture in the amount of $15,336.00 with approximately $7,600.00 to benefit Bonner County. Approved the 2024 Selkirk Cooperative Weed Management Area End-of-Year Report for submission to the Idaho State Department of Agriculture. AIRPORT – Approved this lease for Hangar 12 at Priest River Airport. EMS – Approved and signed the contracts for the provision of emergency and non-emergency medical transport services in Bonner County with Kootenai County Emergency Medical Services System commencing October 1, 2024. The total cost of this contract will be $9,285.45 for the fiscal year and will be paid in instalments of $773.79 monthly. BOCC – Accept the resignation of Sheriff Daryl Wheeler per Idaho Code § 59-902, effective 12/31/24; motion failed. Approved the appointments of Jeff Lindsey, Mary Campbell, Gavin Gilcrease, Marian Martin, Dr. Douglas Dixon, Dimitry Borisov, Janine Shepard, and Asia Williams to the Bonner County EMS Advisory Council for a two-year term beginning on January 1, 2025, and ending on January 1, 2027. (Resolution #2024-92). The meeting was adjourned at 11:06 a.m. _____________ The following is a summary of the Board of County Commissioners’ Special Meetings (including Tax Cancellations, Assistance Meetings, Admin, and other) Executive Sessions, Emergency Meetings, and Hearings that were held during the week of December 17, 2024 – December 30, 2024. Copies of the complete meeting minutes are available upon request. On Wednesday, December 18, 2024, Assistance was held pursuant to Idaho Code § 74-204(2). On Wednesday, December 18, 2024, an Executive Session was held pursuant to Idaho Codes § 74-206(1)(A) Hiring & 74-206(1)(B) Personnel. On Wednesday, December 18, 2024, a Special Meeting with the BOCC, Treasurer, & Auditor was held pursuant to Idaho Code § 74-204(2). On Wednesday, December 18 2024, an Executive Session was held pursuant to Idaho Code § 74-206(1)(F) Litigation. On Thursday, December 19, 2024, a Public Hearing for EMS was held pursuant to Idaho Code § 74-204(2). On Thursday, December 19, 2024, a Planning Workshop was held pursuant to Idaho Code § 74-204(2). On Friday, December 20, 2024, an Executive Session was held pursuant to Idaho Codes § 74-206(1)(F) Litigation & 74-206(1)(D) Records Exempt. On Friday, December 20, 2024, an Executive Session was held pursuant to Idaho Code § 74-206(1)(A) Hiring. On Thursday, December 26, 2024, a Special Meeting with the Auditor pursuant to Idaho Code § 74-204(2). On Thursday, December 26, 2024, an Executive Session was held pursuant to Idaho Codes § 74-206(1)(A) Hiring & 74-206(1)(B) Personnel. On Tuesday, December 31, 2024, an Executive Session was held pursuant to Idaho Codes § 74-206(1)(A) Hiring & 74-206(1)(B) Personnel. Legal#6716 AD#31803 January 18, 2025 _________________________