IN THE CIRCUIT COURT FOR THE NINTH JUDICIAL CIRCUIT

IN AND FOR OSCEOLA COUNTY, FLORIDA

CIRCUIT CIVIL DIVISION

CASE NO.: 2024-CA-000311 MF

PHILADELPHIA FEDERAL CREDIT UNION,

Plaintiff(s),

vs.

ASSOCIATION OF POINCIANA VILLAGES, INC.;

LUCIEN FERNANDEZ; STACY FERNANDEZ; ISPC;

THE UNKNOWN TENANT IN POSSESSION.

Defendant(s).

NOTICE OF FORECLOSURE SALE

NOTICE IS HEREBY GIVEN THAT, pursuant to Plaintiff's Final Judgment of Foreclosure entered on August 19, 2025 in the above-captioned action, the Clerk of Court, Kelvin Soto, will sell to the highest and best bidder for cash at the Osceola County Courthouse, 3 Courthouse Square, Room 204 (2nd floor,) Kissimmee, FL 34741 in accordance with Chapter 45, Florida Statutes on the 21st day of OCTOBER 2025 at 11:00 AM on the following described property as set forth in said Final Judgment of Foreclosure or order, to wit:

LOT 2, BLOCK 1299, POINCIANA NEIGHBORHOOD 3, VILLAGE 2, ACCORDING TO THE MAP OR PLAT THEREOF, AS RECORDED IN PLAT BOOK 3, PAGE(S) 109 THROUGH 119, INCLUSIVE, OF THE PUBLIC RECORDS OF OSCEOLA COUNTY, FLORIDA.

Property address:

405 Bridgewater Court, Kissimmee, FL 34758

Any person claiming an interest in the surplus from the sale, if any, other than the property owner as of the date of the lis pendens, must file a claim before the clerk reports the surplus as unclaimed.

AMERICANS WITH DISABILITIES ACT. IF YOU ARE A PERSON WITH A DISABILITY WHO NEEDS ANY ACCOMMODATION IN ORDER TO PARTICIPATE IN A COURT PROCEEDING OR EVENT, YOU ARE ENTITLED, AT NO COST TO YOU, TO THE PROVISION OF CERTAIN ASSISTANCE. PLEASE CONTACT: ADA COORDINATOR, COURT ADMINISTRATION, OSCEOLA COUNTY COURTHOUSE, 3 COURTHOUSE SQUARE, ROOM 204 (2ND FLOOR,) KISSIMMEE, FL 34741, (407) 742-2417, FAX 407-835-5079 AT LEAST 7 DAYS BEFORE YOUR SCHEDULED COURT APPEARANCE, OR IMMEDIATELY UPON RECEIVING NOTIFICATION IF THE TIME BEFORE THE SCHEDULED COURT APPEARANCE IS LESS THAN 7 DAYS. IF YOU ARE HEARING OR VOICE IMPAIRED, CALL 711 TO REACH THE TELECOMMUNICATIONS RELAY SERVICE.

Pursuant to the Fla. R. Jud. Admin. 2.516, the above signed counsel for Plaintiff designates attorney@padgettlawgroup.com as its primary e-mail address for service, in the above styled matter, of all pleadings and documents required to be served on the parties.

DATED on this 17th day of September 2025.

Respectfully submitted,

/s/ Betzy Falgas

PADGETT LAW GROUP

BETZY FALGAS, ESQ.

Florida Bar # 76882

6267 Old Water Oak Road, Suite 203

Tallahassee, FL 32312

(850) 422-2520 (telephone)

(850) 422-2567 (facsimile)

attorney@padgettlawgroup.com

Attorney for Plaintiff

File #: 23-039251-1

September 25, 2025/October 2, 2025