Legals January 18, 2019

NOTICE OF TRUSTEE'S SALE On Tuesday, the 16th day of April, 2019, at the hour of 10:00 o'clock a.m., of said day, at the office of the Successor Trustee, 312 South First Avenue, Suite A, Sandpoint, ID 83864, Berg, McLaughlin & Nelson, Chtd. as Successor Trustee, will sell at public auction, to the highest bidder, for cash (the Trustee is authorized to make a credit bid for the Beneficiary) in lawful money of the United States of America, all payable at the time of the sale, the following described real property, situated in Bonner County, State of Idaho, to wit: A tract of land in Government Lot 1 of Section 28, Township 57 North, Range 1 East, Boise Meridian, Bonner County, Idaho, more particularly described as follows: to wit: Beginning at the intersection of the east line of Section 28 with the old county road, being a point 235 feet north along the section line from the north right of way line of the Northern Pacific Railway; Thence along the centerline of the said county road, North 55° 21' West, 87.2 feet; Thence North 29° 04' West 138.3 feet; Thence North 18° 27' West, 76.7 feet; Thence North 29° 06' West, 49.6 feet; Thence along a stream of water and 4 feet east thereof, South 58° 14' West, 14.3 feet to a 1" pipe and continuing 49.6 feet; Thence South 30° 42' West, 71.8 feet; Thence South 28° 45' West to the north right of way line of N.P. Railway; Thence easterly along the said right of way line to the intersection with east line of Section 28; Thence north along said section line for 235 feet to the center of county road, the place of beginning; EXCEPT a tract more particularly described as follows, to-wit: Beginning at a 1 inch pipe in the centerline of the old county road, accepted by the grantor to be a point on the section line between Sections 27 and 28, Township 57 North, Range 1 East of the Boise Meridian, said 1 inch pipe being North 2339.48 feet and West 2755.88 feet from a 2 inch pipe found and accepted as the southwest corner of Government Lot 2 of Section 27; Thence along said county road centerline North 35° 13' West, 51.85 feet; Thence North 57° 45' West, 59.64 feet; Thence North 41 ° 03' West, 10.11 feet to the true point of beginning of this tract and this description; Thence continuing along said road centerline the following 4 courses: North 41° 03' West, 39.72 feet; Thence North 29° 36' West, 92.71 feet; Thence North 18° 13' West, 95.87 feet; Thence North 28° 37' West, 64.62 feet to a point southeasterly 4.00 feet from the southeasterly band of a small stream; Thence parallel to and 4.00 feet distance from said stream bank generally following the next three courses: South 54 ° 22' West, 76.45 feet; Thence South 26° 54' West, 71.15 feet; Thence South 26° 20' West to the northeasterly right of way of the Northern Pacific Railway; Thence southeasterly along said railway right of way to a point South 57° 21' West from the true point of beginning; Thence North 57° 21' East to the True Point of Beginning. ALSO EXCEPT a tract described as follows: Commencing at the intersection of the east line of said Section 28, with the centerline of the old county road, said intersection being a 1 1/2" iron pipe; Thence south along said east line 140.11 feet to the True Point of Beginning; Thence continuing south along said east line 118.20 feet, more or less, to the northeasterly right of way of State Highway 200; Thence northwesterly along said right of way 89.00 feet, more or less, to a point that bears South 48° 50' West, 78.33 feet from the True Point of Beginning; Thence North 48° 50' East 78.33 feet to the True Point of Beginning. ALSO EXCEPT highway right of way. Together with a 50% water right for home and domestic uses deriving from the now established water system from the adjoining property, with rights to maintain the same. For the purposes of compliance with Idaho Code 60-113, the Trustee has been informed that the address of 43843 Hwy 200, Hope, ID 83836, may sometimes be associated with said real property. Any interested party may contact the Trustee at 208-263-4748 for information concerning the location of the 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 GEORGE JACKMAN and SANDI JACKMAN, Husband and Wife, as Grantor, to TOBY MCLAUGHLIN, as successor trustee, for the benefit and security of THEODORE O. GRAFTON and VICTORIA GRAFTON, Trustees of the GRAFTON REVOCABLE LIVING TRUST dated 1/18/2002, as Beneficiary; said Deed of Trust having been recorded on October 22, 2013, as Instrument No. 852094, records of Bonner County, Idaho. The above Grantor is named to comply with Idaho Code Section 45-1506(4)(a). No representation is made that they are or are not presently responsible for this obligation. The default for which this sale is to be made is failure of the Grantor to pay upon maturity of the underlying debt the principal balance and interest due upon the maturity, as set forth on the Promissory Note secured by said Deed of Trust. The entire debt, inclusive of principal, interest, and fees then due matured on October 22, 2018, and the Grantors failed to pay the debt due at that time. The debt continues to accrue interest at the rate of 5.0% per annum on the principal balance of $110,765.63 from October 22, 2018. Interest through December 10, 2018 is $758.67. Tax lien by the Bonner County Assessor for recovery of property tax exemptions in the amount of $2,152.85 for the years 2014-2016; General real property taxes for the year 2017 in the original amount of $3,715.90, plus penalties and interest; and General real property taxes for the year 2018, assessed by Bonner County, Idaho, in the amount of $1,838.46 are owing pursuant to the terms of the Deed of Trust. A close out and default mailing fee in the amount of $225.00 is also due and owing pursuant to the escrow agreement. ALL AMOUNTS are now due and payable along with all costs and fees associated with this foreclosure. The amounts currently due, inclusive of principal, interest, escrow fee and real property taxes is $119,456.50 plus accruing interest, taxes, attorney's fees and costs of foreclosure. DATED this 11th day of December, 2018. /s/D. Toby McLaughlin, Successor Trustee STATE OF IDAHO COUNTY OF BONNER This record was acknowledged before me on December 11, 2018, by Toby McLaughlin as Successor Trustee of the Deed of Trust mentioned in this Notice of Trustee's Sale. Brenda Burnett NOTICE REQUIRED BY IDAHO LAW Mortgage foreclosure is a legal proceeding where a lender terminates a borrower's interest in property to satisfy unpaid debt secured by the property. This can mean that when a homeowner gets behind on his or her mortgage payments, the lender forces a sale of the home on which the mortgage loan is based. Some individuals or businesses may say they can "save" your home from foreclosure. You should be cautious about such claims. It is important that you understand all the terms of a plan to "rescue" you from mortgage foreclosure and how it will affect you. It may result in your losing valuable equity that you may have in your home. If possible, you should consult with an attorney or financial professional to find out what other options you may have. Do not delay seeking advice, because the longer you wait, the fewer options you may have. Under Idaho law, you have five (5) days to rescind or undo certain contracts or agreements that relate to transferring interests in property or money in a foreclosure situation. An attorney or financial professional can tell you more about this option. SNP LEGAL 6456 AD# 261546 JANUARY 18, 25, FEBRUARY 1, 8, 2019

NOTICE OF PUBLIC HEARINGS NOTICE IS HEREBY GIVEN that the Bonner County Commissioners will hold public hearings at 1:30 on Wednesday, February 13, 2019, in the 3rd Floor BOCC Meeting Room, Suite 338 of the Bonner County Administration Building, 1500 Highway 2, Sandpoint, Idaho, to consider the following requests: File VS2006-18 - Vacation of Platted Right-of-Way - Michael Quick petitioner is requesting to vacate a portion of a right-of-way existing in the plat of T.S. Campbell's Addition to Laclede. The project is located off of River Run Drive in Section 30, Township 56 North, Range 3 West, Boise-Meridian. File VS0002-18 - Vacation of Platted Right-of-Way - Highlands HOA petitioner is requesting to vacate a turnaround at the end of Red Fir Road in return for a dedication of a turnaround in the location it is currently established. The property is located at the end of Red Fir Road in a portion of Section 2, Township 56 North, Range 2 East, Boise Meridian, Bonner County Idaho. Any person needing special accommodations to participate in the public hearing should contact the Bonner County Planning Department at (208) 265-1458 at least 48 hours before the hearing. Written statements exceeding 1 standard letter-sized, single-spaced page must be submitted to the planning department no later than 5 days prior to the public hearing. Written statements longer than the 1 standard page will not be accepted at the public hearing. Comments can be sent to the Bonner County Planning Department at 1500 Highway 2, Suite 208, Sandpoint, Idaho 83864; faxed to (208) 265- 1463 or e-mailed to planning@bonnercountyid.gov. Additional information is available at the planning department. Staff reports are available at the planning department or may be viewed at www.bonnercountyid.gov 7 days prior to the scheduled hearing. SNP LEGAL 6439 AD# 259233 JANUARY 11, 18, 2019

NOTICE TO CREDITORS IN THE DISTRICT OF THE FIRST JUDICIAL DISTRICT OF THE STATE OF IDAHO, IN AND FOR THE COUNTY OF BONNER IN THE MATTER OF THE ESTATE OF James F. Crunk, Deceased. Case No. CV09-18-2000 (I.C. 15-3-801) NOTICE IS HEREBY GIVEN that the undersigned 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 (4) 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 the Court. DATED this 14th day of January, 2019. /s/ Janet L. Giroux, Personal Representative c/o ELTC Law Group, PLLC Denise M. Stewart, Attorney PO Box 301 Newport, WA 99156 SNP LEGAL 6457 AD# 261562 JANUARY 18, 25, FEBRUARY 1, 2019

PUBLIC NOTICE Idaho Housing and Finance Association Seeks public comment regarding proposed changes to the 2019 Annual Administrative Plan for Idaho's HOME, HTF, and NSP Programs IHFA is the HUD grantee for the State of Idaho's HOME Investment Partnerships, National Housing Trust Fund, and the Neighborhood Stabilization Programs. These programs are federally funded affordable housing development assistance programs. IHFA proposes to make several substantive changes to the 2019 Annual Administrative Plan and asks for the public's comment regarding the changes. A Summary of Proposed Changes is available on IHFA's website http://www.idahohousing.com/ihfa/grant-programs/home-program.aspx @ 2019 Annual Administrative Plan. IHFA will accept written comments for fifteen days, January 21, 2019 - February 4, 2019. Submit written comments to HOMEadminplan@ihfa.org, Park Plaza 565 W. Myrtle St. Boise ID, IHFA-HOME Programs Dept., P. O. Box 7899, Boise, ID 83707-1899. Individuals requiring language assistance/interpretation or a reasonable accommodation of physical, visual, hearing impairment(s) contact IHFA at 208-331-4873, TDD (800) 545-1833 ext. 400. A request for reasonable accommodation must allow at least three (3) business days. SNP LEGAL 6455 AD# 261540 JANUARY 18, 2019

NOTICE OF TRUSTEE'S SALE TS No: ID-18-811541-SW NOTICE IS HEREBY GIVEN that on 6/11/2019, at the hour of 9:00 AM of said day, On the front steps of the main entrance to the Bonner County Courthouse, located at 215 S. 1st Avenue, Sandpoint, ID 83864, said Trustee will sell at public auction to the highest bidder, for cash in lawful money of the United States of America, all payable at the time of sale, the following described real property situated in the County of BONNER, State of Idaho, and described as follows, to-wit: A PORTION OF BLOCK 19 OF PRIEST RIVER, IDAHO, ACCORDING TO THE OFFICIAL PLAT THEREOF, FILED IN BOOK 1 OF PLATS AT PAGE 18, OFFICIAL RECORDS OF BONNER COUNTY, IDAHO, MORE PARTICULARLY DESCRIBED AS FOLLOWS: BEGINNING AT THE SOUTHWEST CORNER OF BLOCK 19 OF PRIEST RIVER, IDAHO; THENCE NORTH 120 FEET; THENCE EAST 50 FEET; THENCE SOUTH 120 FEET; THENCE WEST 50 FEET TO THE POINT OF BEGINNING. The current trustee is Robert W. McDonald, Esq, whose address is 108 1st Ave. South, Suite 202, Seattle, Washington 98104 and who can be reached by telephone at (866) 925-0241. The Trustee has no knowledge of a more particular description of the above-described real property, but for purposes of compliance with Idaho Code Section 60-113, the Trustee has been informed that the street address of 125 2ND ST, PRIEST RIVER, ID 83856 may sometimes be 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 made and entered into on 4/3/2017, by and among CHRISTOPHER SPAUDE, AN UNMARRIED MAN, as Grantor, and SANDPOINT TITLE, as Trustee, and MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC. ("MERS"), SOLELY AS NOMINEE FOR WILLAMETTE VALLEY BANK, ITS SUCCESSORS AND ASSIGNS, as Beneficiary; said Deed of Trust having been filed of record on 4/3/2017, as Instrument No. 903513 Official Records of BONNER County, Idaho. The naming of the above Grantor(s) is done to comply with Idaho Code Sections 45-1506(4)(a); no representation is made as to the responsibility of Grantor(s) for this obligation. The default for which this sale is to be made is: The monthly installment of $934.03, which may include principal, interest and escrow, due on 11/1/2017, and all subsequent installments of principal and interest through the date of this Notice, plus amounts that are due for late charges, delinquent property taxes, insurance premiums, advances made on senior liens, taxes and/or insurance, trustee's fees, and any attorney fees and court costs arising from or associated with the beneficiaries efforts to protect and preserve its security, all of which must be paid as a condition of reinstatement, including all sums that shall accrue through reinstatement or pay-off. Nothing in this notice shall be construed as a waiver of any fees owing to the Beneficiary under the Deed of Trust pursuant to the terms of the loan documents. The balance due and owing as of the date hereof on the obligation secured by said Deed of Trust is the amount of $140,381.91 in principal; plus accrued interest at the rate of 4.2500 percent per annum from 11/1/2017 adjusting, if at all, pursuant to the terms of the note; plus service charges, late charges, and any other costs or expenses associated with this foreclosure as provided by the Deed of Trust or Deed of Trust Note, or by Idaho law. Dated this 8th day of January, 2019. Robert W. McDonald, Esq, Trustee By: TS No: ID-18-811541-SW IDSPub #0149063 1/11/2019 1/18/2019 1/25/2019 2/1/2019\ SNP LEGAL 6446 AD# 260172 JANUARY 11, 18, 25, FEBRUARY 1, 2019

NOTICE OF TRUSTEE'S SALE T.S. No. 076178-ID / Parcel No.: RP E0676001002A On 4/29/2019 at 10:00 AM (recognized local time), at the BONNER COUNTY COURTHOUSE, 215 S. FIRST AVE., SANDPOINT, ID 83864, in the County of Bonner, SYDNEY K. LEAVITT, ESQ., a member of the State Bar of Idaho, of ALDRIDGE PITE, LLP as trustee, will 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 property, situated in the County of Bonner, State of Idaho, and described as follows, to wit: LOT 2, BLOCK 1 OF CRAWFORDS SECOND ADDITION, ACCORDING TO THE PLAT THEREOF, RECORDED IN BOOK 1 OF PLATS, PAGE 107, RECORDS OF BONNER COUNTY, IDAHO. MORE ACCURATELY DESCRIBED AS: LOT 2 IN BLOCK 1 OF CRAWFORD'S SECOND ADDITION TO EAST HOPE, ACCORDING TO THE OFFICIAL PLAT THEREOF, FILED IN BOOK 1 OF PLATS, PAGE 107, RECORDS OF BONNER COUNTY, IDAHO. The Trustee has no knowledge of a more particular description of the above referenced real property, but for purposes of compliance with Idaho Code Section 60-113, the Trustee has been informed that the address of: 649 LAKE VIEW BLVD, AKA 649 LAKEVIEW BLVD, HOPE, ID 83836, is commonly associated with said real property. Said sale will be made without covenant or warranty, express or implied, 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 PAMELA JEANNE GRAY, A SINGLE PERSON, as Grantor(s), to SANDPOINT TITLE INSURANCE, INC., as Trustee, for the benefit and security of WELLS FARGO BANK, N.A., as Beneficiary, dated 2/20/2009, recorded 2/25/2009, as Instrument No. 767325, , official records of Bonner County, Idaho. Please note: The above named Grantors are named to comply with Idaho Code Section 45-1506(4)(a); no representation is made that they are, or are not, presently responsible for the obligation. The default for which this sale is to be made is the failure to pay the principal balance and any outstanding fees, costs, and interest which became all due and payable based upon failure to pay real property taxes and/or insurance. The sum owing on the obligation secured by said Deed of Trust as of 12/21/2018 is $261,780.64 including interest, costs, fees, including trustee and/or attorney fees and costs, and expenses actually incurred in enforcing the obligation thereunder or in this sale and to protect the security associated with the Deed of Trust, as authorized in the Note, Deed of Trust or as allowed under Idaho Law. Because interest, late charges, fees, costs and expenses continue to accrue, the total amount due varies from day to day. Hence, if you pay the amount shown above, an adjustment may be necessary after receipt of funds to satisfy the debt. For further information, write the Trustee at 4375 Jutland Drive, Ste. 200, San Diego, CA 92117, or call (866)931-0036 DATED: 12/21/2018 SYDNEY K. LEAVITT, ESQ., a member of the State Bar of Idaho, of ALDRIDGE PITE, LLP SNP LEGAL 6426 AD# 257971 JANUARY 4, 11, 18, 25, 2019