Legal & Public Notices

IN THE CIRCUIT COURT OF THE FIRST JUDICIAL CIRCUIT IN AND FOR OKALOOSA COUNTY, FLORIDA
CASE NO.: 2023 CA 002397
BANK OF NEW YORK MELLON TRUST COMPANY, N.A. AS TRUSTEE FOR MORTGAGE ASSETS MANAGEMENT SERIES I TRUST,
Plaintiff,
VS.
STEVEN H. OWEN; et al.,
Defendant(s).
/
NOTICE OF ACTION
TO: Steven H. Owen
Last Known Residence: 317 Evergreen Avenue Niceville, FL 32578
YOU ARE NOTIFIED that an action to foreclose a mortgage on the following property in OKALOOSA County, Florida:
LOT 121, CEDAR RIDGE PHASE FIVE-B, ACCORDING TO THE PLAT THEREOF AS RECORDED IN PLAT BOOK 12, PAGE 10, PUBLIC RECORDS OF OKALOOSA COUNTY, FLORIDA.
has been filed against you and you are required to serve a copy of your written defenses, if any, to it on ALDRIDGE PITE, LLP, Plaintiff’s attorney, at 5300 West Atlantic Avenue Suite 303 Delray Beach, FL 33484, on or before __________, and file the original with the clerk of this court either before service on Plaintiff’s attorney or immediately thereafter; otherwise a default will be entered against you for the relief demanded in the complaint or petition.
Dated on August 17, 2023.
As Clerk of the Court
By: /s/ Jackie Dunlap
As Deputy Clerk
CR2296

IN THE CIRCUIT COURT IN AND FOR OKALOOSA COUNTY, FLORIDA
File No. 2023-CP-809
IN RE: ESTATE OF
DAVID NELSON THOMAS
Deceased.
NOTICE TO CREDITORS
The administration of the estate of David Nelson Thomas, deceased, whose date of death was March 27, 2023, is pending in the Circuit Court for Okaloosa County, Florida, Probate Division, the address of which is 1940 Lewis Turner Boulevard, Fort Walton Beach, Florida 32547. The names and addresses of the personal representative and the personal representative's attorney are set forth below.
All creditors of the decedent and other persons having claims or demands against decedent's estate on whom a copy of this notice is required to be served must file their claims with this court ON OR BEFORE THE LATER OF 3 MONTHS AFTER THE TIME OF THE FIRST PUBLICATION OF THIS NOTICE OR 30 DAYS AFTER THE DATE OF SERVICE OF A COPY OF THIS NOTICE ON THEM.
All other creditors of the decedent and other persons having claims or demands against decedent's estate must file their claims with this court WITHIN 3 MONTHS AFTER THE DATE OF THE FIRST PUBLICATION OF THIS NOTICE.
ALL CLAIMS NOT FILED WITHIN THE TIME PERIODS SET FORTH IN FLORIDA STATUTES SECTION 733.702 WILL BE FOREVER BARRED.
NOTWITHSTANDING THE TIME PERIODS SET FORTH ABOVE, ANY CLAIM FILED TWO (2) YEARS OR MORE AFTER THE DECEDENT'S DATE OF DEATH IS BARRED.
The date of first publication of this notice is August 31st.
Attorney for Personal Representative:
Tracy O. Strom
Florida Bar Number 0907420
204 NE Buck Drive
Fort Walton Beach, FL 32548
(850) 243-5451
efile@tracystrom.com
Personal Representative:
Bruce Thomas
18851 Leisure Avenue
Hone Creek, IA 51542
CR2294

Notice of Self Storage Sale
Please take notice ClearHome Self Storage – Betta located at 2614 US-98, Mary Esther, FL 32569, ClearHome Self Storage - Florosa located at 2371 W Highway 98, Ste. A Mary Esther FL 32569, ClearHome Self Storage - Freedom located at 1500 Freedom Self Storage Rd., #7 Ft. Walton Beach FL 32547 & ClearHome Self Storage – Marsh located at 2193 US-98, Mary Esther, FL 32569 intends to hold a sale to sell the property stored at the Facility by the below list of Occupants whom are in default at an Auction. The sale will occur as an online auction via www.storagetreasures.com on 9/20/2023 at 12:00PM. Unless stated otherwise, the description of the contents are household goods and furnishings. ClearHome Self Storage – Betta: Angel Vick unit #220; Diamond Casey unit #523. ClearHome Self Storage – Florosa: Frank Davis unit #226; Wendy Ridgway unit #37. ClearHome Self Storage – Freedom: Bree Williamson unit #A61; Norma Suarez unit #A7; Lee Buckingham units #C11, #C12, #C15 & #C24. ClearHome Self Storage – Marsh: Lashonda Singleton unit #1114 This sale may be withdrawn at any time without notice. Certain terms and conditions apply. See manager for details.
CR2293

ESCAMBIA COUNTY HOUSING FINANCE AUTHORITY
2023 SINGLE FAMILY MORTGAGE CREDIT CERTIFICATE PROGRAM
The Escambia County Housing Finance Authority (the “Authority”), hereby announces its intention to sponsor a program to reduce home loan financing costs within Escambia County, Florida (the "County") and several other Counties, including Okaloosa County and Walton County (each a “Participating County”, and collectively with the County, the “Participating Counties”). The Authority intends to establish a 2023 mortgage credit certificate program which will entitle first-time homebuyers to a federal income tax credit (the “Program”). A tax credit is a direct reduction of taxes due. Under the Program a homebuyer would receive a mortgage credit certificate entitling homebuyers to reduce their taxes by ten percent (10%) to fifty percent (50%) of the amount of interest paid on their home loan (not to exceed $2,000 per year if the credit percentage exceeds 20%). The tax credit is available each year that the borrower continues to live in the home financed under the Program. In order to qualify for the Program, federal law requires that a homebuyer satisfy each of the following guidelines:
In order to qualify for the Program, federal law requires that a homebuyer satisfy each of the following guidelines:
1. Principal Residence. The homebuyer must occupy the home financed under the Program as his/her principal residence within a reasonable period, not to exceed 60 days, after the financing is provided. A principal residence is a home occupied primarily for residential purposes. A principal residence does not include a home used as an investment property, as a recreation home or a home 15 percent or more of the total area of which is used in a trade or business.
2. First-Time Homebuyer. Each homebuyer must be a first-time homebuyer. Any person who has not owned his/her principal residence at any time during the three years prior to closing a loan financed in connection with the Program is considered a first-time homebuyer. This requirement does not apply to loans in certain areas designated as targeted areas (collectively, the “Targeted Areas”).
3. Purchase Price. Under the Program, the purchase price for residences may not exceed 90 percent (110 percent with respect to residences located in Targeted Areas) of the average area purchase price applicable to the residence. For this purpose, the "average area purchase price" is based upon the average purchase price of single family residences determined pursuant to applicable federal law with respect to both new and existing one unit residences. The current maximum purchase prices for homes under the Program in each of the Participating Counties is as follows:
Okaloosa County and Walton County New and
Existing Homes Non-Targeted Areas Targeted Areas
One Unit $615,448.80 $752,215.20

These limitations are subject to adjustment periodically.

4. New Mortgage. The mortgage loan financed in connection with the Program is required to be a new mortgage loan and may not replace a prior mortgage loan on the home (whether or not previously repaid). The mortgage credit certificates are available in connection with any not to exceed 30 year, fixed rate mortgage loan which is (i) a government loan eligible for purchase by GNMA, (ii) a conventional loan eligible for purchase by Fannie Mae or Freddie Mac, or (iii) a special loan offered by lending institutions and approved by the Authority. Any lending institution is eligible to provide mortgage loans in connection with the Program as long as they are willing to follow Program requirements. A list of lenders that has agreed to follow Program requirements can be found at www.ehousingplus.com.
5. Income. Under the Program, the maximum family income for households of 3 or more persons may not exceed 115 percent (140 percent with respect to residences located in Targeted Areas) of the applicable median family income, subject to adjustment for high housing cost areas. For a family of 2 or fewer persons, the maximum family income may not exceed 100 percent (120 percent with respect to residences located in Targeted Areas) of the applicable median family income, subject to adjustment for high housing cost areas. The current limits on annual gross income for households under the Program in each Participating County (after adjustment for high housing cost areas) are as follows:
Okaloosa County Non-Targeted Area Targeted Area
Families of 1 or 2 persons $110,986.61 $118,320.00
Families of 3 or more persons $127,634.61 $138,040.00

Walton County Non-Targeted Area Targeted Area
Families of 1 or 2 persons $111,966.61 $112,440.00
Families of 3 or more persons $128,761.61 $131,180.00

These limitations are subject to adjustment periodically. Gross income includes salary and wages, including overtime, as well as dividends, alimony, public assistance, social security, unemployment compensation and investment income.

6. One Family Home. The residence financed in connection with the Program must be a one family residence. A one-family residence includes a detached home, one unit of a duplex, a townhouse or a condominium unit. Land adjoining the home is considered part of the home only if it maintains the home's livability and is not, other than incidentally, a source of income to the owner.
7. Program Area. In order to be eligible for a certificate, the home financed in connection with the Program must be located in a Participating County.
8. Homebuyer Education Class. Each Homebuyer must agree to participate in a Homebuyer Education Class approved by the Authority prior to being eligible to receive a mortgage credit certificate.
Under the Program, mortgage credit certificates will be issued to eligible borrowers on a first-come, first-served basis. The certificates are available in connection with only those types of new mortgages as discussed in paragraph 4 above. Any lending institution that signs a Participation Agreement or which otherwise confirms to the satisfaction of the Authority its agreement to follow Program requirements is eligible to provide mortgage loans in connection with the Program.
This notice contains only a summary of the requirements under the Program. Additional information about the Program is available from:
eHousingPlus
15175 Ludham Road, Suite 203
Miami Lakes, FL 33014
Phone: 954-217-0817
email: sue@ehousing.cc

Published [Okaloosa County and Walton County] September 7, 2023

CR2304

NOTICE OF PUBLIC SALE: MANAGEMENT OF LAZY OAKS MOBILE PARK gives notice that on 19 SEP 23 at 8 a.m. the following RV may be sold by public sale at LAZY OAKS MOBILE PARK, 4600 WILKERSON BLUFF RD, LOT D, HOLT, FLORIDA 32564 to satisfy the judgement amount owed for RV storage, service charges and administrative fees allowed pursuant to Florida statute 715.
RV TNvin 4EZFS37295S105790 (Tennessee)
Make - KZ
Model - 4EZ
Year - 2005
Type - Toyhauler
CR2301