NORTHCOUNTRY FEDERAL CREDIT UNION,

Plaintiff,

v.

TINA MCGRATH, ADMINISTRATOR OF THE

ESTATE OF LEO W. RICH, SR., and ALL

OCCUPANTS RESIDING AT 35 GROVE STREET,

CITY OF ESSEX JUNCTION, VT

Defendants.

NOTICE OF SALE

By virtue and in execution of the Judgment and Decree of Foreclosure by Judicial Sale dated June 24, 2025, for a breach of a Mortgage dated October 31, 2019, and recorded in Book 1024, Pages 677-691 in the Town of Essex Land Records (the “Mortgaged Property”); and for the purpose of foreclosing the same, the Mortgaged Property will be sold at public auction on December 23, 2025 at 11:00 a.m. at the Mortgaged Property, 35 Grove Street, Essex, more particularly described as follows:

Being all and the same land and premises conveyed to Leo W. Rich by Warranty Deed of David R. Farnham and Ruth M. Farnham dated January 22, 1975, and recorded in Volume 117 at Pages 388-390 of the Town of Essex Land Records.

Being a lot of land with trailer and addition thereto located on the easterly side of Grove Street, the dwelling house being known and designated as No. 35 Grove Street, said lot contains 3/16 acre, more or less.

Patricia Rich spouse of Leo W. Rich, joins in this mortgage to permit the above-described marital property to be mortgaged to NorthCountry Federal Credit Union.

TERMS OF SALE: The Mortgaged Property will be sold “AS IS WHERE IS” to the highest bidder for cash or wire funds only. The sale of the Mortgaged Property is subject to confirmation by the Vermont Superior Court, Chittenden Unit, Civil Division. The Mortgaged Property will be sold subject to unpaid taxes, municipal assessments, and superior liens, if any.

The public sale may be adjourned one or more times for a total time not exceeding 30 days, without further court order, and without publication or service of a new notice of sale, by announcement of the new sale date to those present at each adjournment or by posting notice of the adjournment in a conspicuous place at the location of the sale. Notice of the new sale date shall also be sent by first class mail, postage prepaid, to the mortgagors at the mortgagors’ last known address at least five days before the new sale date.

Defendant Tina McGrath, Administrator of the Estate of Leo W. Rich, Sr. and all Occupants residing at 35 Grove Street are entitled to redeem the Mortgaged Property at any time prior to the sale by paying the full amount due under the Mortgage referenced above, including the costs and expenses of the sale.

MORTGAGED PROPERTY DEPOSIT: A non-refundable deposit for the Mortgaged Property in the amount of $10,000.00 shall be paid by the high bidder by cash, certified check or bank draft to Prozzo Auctions, which shall hold the deposit until the closing. The balance of the purchase price for the Mortgaged Property shall be due and payable within the latter of 10 days from the date of confirmation of said sale by the Vermont Superior Court, Chittenden Unit, Civil Division, or 45 days from the date of public auction. If the balance of the purchase price for the Mortgaged Property is not paid within the period set forth herein, the deposit shall be forfeited and shall be retained by Plaintiff herein as agreed liquidation damages and the Mortgaged Property may be offered to the next highest bidder still interested in the Mortgaged Property.

PURCHASE AND SALE CONTRACT: The high bidder for the Mortgaged Property shall be required to sign a no contingency contract of Purchase and Sale at the public auction, agreeing to purchase the Mortgaged Property in its “AS IS WHERE IS” condition, as a result of being the successful and high bidder at the sale.

OTHER TERMS TO BE ANNOUNCED AT SALE: Inquiries can be made to Prozzo Auctions, 207 N Main St, Rutland, VT 05701; (802) 773-2691.

Dated: November 12, 2025.

NORTHCOUNTRY FEDERAL CREDIT UNION

By: /s/ Alexandra E. Edelman

Alexandra E. Edelman, Esq.
Primmer Piper Eggleston & Cramer PC
30 Main Street, Suite 500
P.O. Box 1489
Burlington, VT 05602-1489

(802) 864-0880
aedelman@primmer.com