#3241 ASAP#4491930

NOTICE OF TRUSTEE'S SALE Trustee's Sale No. ID-RCS-14015419 NOTICE IS HEREBY GIVEN that, Pioneer Title Company of Ada County dba Pioneer Lender Trustee Services, the duly appointed Successor Trustee, will on March 11, 2015, at the hour of 11:00 AM, of said day, ON THE FRONT STEPS OF THE MAIN ENTRANCE OF THE BONNER COUNTY COURTHOUSE, 215 SOUTH 1ST AVENUE, SANDPOINT, ID, sell at public auction to the highest bidder, for cash, in lawful money of the United States, all payable at the time of sale, the following described real and personal property (hereafter referred to collectively as the "Property"), situated in the County of BONNER, State of Idaho, to-wit: LOTS 17, 18 AND 19 IN BLOCK 28 OF WEST END ADDITION TO SANDPOINT, ACCORDING TO THE OFFICIAL PLAT THEREOF, FILED IN BOOK 1 OF PLATS AT PAGE(S) 57 OFFICIAL RECORDS OF BONNER COUNTY, IDAHO. The Trustee has no knowledge of a more particular description of the above-referenced Property but, for purposes of compliance with Section 60-113 of Idaho Code, the Trustee has been informed that the address of 716 OAK ST, SANDPOINT, ID 83864, is sometimes associated with said real property. Said sale will be made without covenant or warranty regarding title, possession or encumbrances to satisfy the obligation secured by and pursuant to the power of sale conferred in the Deed of Trust executed by MICHAEL R MCDOWELL, AN UNMARRIED MAN, as Grantor, to FIDELITY NATIONAL TITLE INSURANCE CO, as Trustee, for the benefit and security of COUNTRYWIDE HOME LOANS, INC., as Beneficiary, dated 9/9/2005, recorded 9/22/2005, under Instrument No. 687685, Mortgage records of BONNER County, IDAHO, the beneficial interest in which is presently held by THE BANK OF NEW YORK MELLON FKA THE BANK OF NEW YORK, AS TRUSTEE FOR THE CERTIFICATEHOLDERS OF CWALT, INC., ALTERNATIVE LOAN TRUST 2005-49CB, MORTGAGE PASS-THROUGH CERTIFICATES, SERIES 2005-49CB. THE ABOVE GRANTORS ARE NAMED TO COMPLY WITH SECTION 45-1506(4)(A), IDAHO CODE. NO REPRESENTATION IS MADE THAT THEY ARE, OR ARE NOT, PRESENTLY RESPONSIBLE FOR THIS OBLIGATION. The default for which is sale is made is the failure to pay when due under the Deed of Trust Note dated 9/9/2005, THE MONTHLY PAYMENT WHICH BECAME DUE ON 4/1/2013 AND ALL SUBSEQUENT MONTHLY PAYMENTS, PLUS LATE CHARGES AND OTHER COSTS AND FEES AS SET FORTH. Amount due as of October 13, 2014 Delinquent Payments from April 01, 2013 16 payments at $ 1,116.27 each $ 17,860.32 3 payments at $ 1,412.95.each $ 4,238.85 (04-01-13 through 10-13-14) Late Charges: $ 341.95 Other Fees: $ 230.00 Unapplied Balance: $ (51.19) TOTAL: $ 22,619.93 All delinquencies are now due, together with unpaid and accruing taxes, assessments, trustee's fees, attorney's fees, costs and advances made to protect the security associated with this foreclosure. The principal balance is $141,686.43, together with interest thereon at 6.250% per annum from 3/1/2013 to 8/1/2014, 6.250% per annum from 8/1/2014, until paid. The Beneficiary elects to sell or cause the trust property to be sold to satisfy said obligation. Anyone having any objection to the sale on any grounds whatsoever will be afforded an opportunity to be heard as to those objections if they bring a lawsuit to restrain the same. SALE INFORMATION LINE: 714-730-2727 or http://www.lpsasap.com DATED: 10/13/2014 Pioneer Title Company of Ada County dba Pioneer Lender Trustee Services By: Lilian Solano, Trustee Sale Officer c/o PEAK FORECLOSURE SERVICES, INC. 5900 Canoga Avenue, Suite 220 Woodland Hills, CA 91367 Phone: (877) 237-7878 A-4491930 SNP Legal 3241 November 12, 19, 26, 2014 December 3, 2014