COMBINED NOTICE - PUBLICATION
CRS §38 38 103 FORECLOSURE SALE NO. 2026 009
To Whom It May Concern: This Notice is given with regard to the following described Deed of Trust:
On July 28, 2026, the undersigned Public Trustee caused the Notice of Election and Demand relating to the Deed of Trust described below to be recorded in the County of Archuleta records.
Original Grantor(s)
Elizabeth Rae Atencio
Original Beneficiary(ies)
MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC. AS NOMINEE FOR The Central Trust Bank, ITS SUCCESSORS AND ASSIGNS
Current Holder of Evidence of Debt
COLORADO HOUSING AND FINANCE AUTHORITY
Date of Deed of Trust
November 30, 2020
County of Recording
Archuleta
Recording Date of Deed of Trust
December 02, 2020
Recording Information (Reception No. and/or Book/Page No.)
22007722
Original Principal Amount
$171,830.00
Outstanding Principal Balance
$155,141.82
Pursuant to CRS §38 38 101(4)(i), you are hereby notified that the covenants of the deed of trust have been violated as follows: Failure to pay principal and interest when due together with all other payments provided for in the evidence of debt secured by the deed of trust and other violations thereof.
THE LIEN FORECLOSED MAY NOT BE A FIRST LIEN.
LOT 1 OF BLOCK 3 IN PIEDRA PARK SUBDIVISION NO. 2A, ACCORDING TO THE PLAT THEREOF FILED FOR RECORD JANUARY 23, 1961 AS RECEPTION NO. 60166, COUNTY OF ARCHULETA, STATE OF COLORADO.
APN #: 616108308011
Purported common address: 53 W Cedar Dr, Arboles, CO 81121.
THE PROPERTY DESCRIBED HEREIN IS ALL OF THE PROPERTY CURRENTLY ENCUMBERED BY THE LIEN OF THE DEED OF TRUST.
NOTICE OF SALE
The current holder of the Evidence of Debt secured by the Deed of Trust, described herein, has filed Notice of Election and Demand for sale as provided by law and in said Deed of Trust.
THEREFORE, Notice Is Hereby Given that I will at public auction, at 10:00 A.M. on Thursday, 11/19/2026, at the Archuleta County Treasurer's Office at 305 Village Drive. Pagosa Springs, CO 81147, sell to the highest and best bidder for cash, the said real property and all interest of the said Grantor(s), Grantor(s)' heirs and assigns therein, for the purpose of paying the indebtedness provided in said Evidence of Debt secured by the Deed of Trust, plus attorneys' fees, the expenses of sale and other items allowed by law, and will issue to the purchaser a Certificate of Purchase, all as provided by law.
First Publication9/24/2026
Last Publication10/22/2026
Name of PublicationPagosa Springs Sun
IF THE SALE DATE IS CONTINUED TO A LATER DATE, THE DEADLINE TO FILE A NOTICE OF INTENT TO CURE BY THOSE PARTIES ENTITLED TO CURE MAY ALSO BE EXTENDED;
DATE: 07/28/2026
Elsa P. White, Public Trustee in and for the County of Archuleta, State of Colorado
/s/ Elsa P. White
By: Elsa P. White, Public Trustee
The name, address, business telephone number and bar registration number of the attorney(s) representing the legal holder of the indebtedness is:
Lama M Baddah #62210
Janeway Law Firm, P.C. 9540 Maroon Circle, Suite 320, Englewood, CO 80112 (855) 263 9295
Attorney File # 26 037177
The Attorney above is acting as a debt collector and is attempting to collect a debt. Any information provided may be used for that purpose.
Published September 24, October 1, 8, 15, and 22, 2026, in The Pagosa Springs SUN. (313415)
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