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<section article="grp" article_name="Real Property" number="7-105.4" title_number="7" title_name="Mortgages, Deeds of Trust, and Vendor's Liens" subtitle_number="1" subtitle_name="Mortgages and Deeds of Trust">
  <level label="a">
    <text>In this section, “record owner” means the person holding record title to property as of the later of:</text>
    <level label="1">
      <text>30 days before the day on which a foreclosure sale of the property is actually held; and</text>
    </level>
    <level label="2">
      <text>The date on which an action to foreclose the mortgage or deed of trust is filed.</text>
    </level>
  </level>
  <level label="b">
    <text>In addition to any notice required to be given by provisions of the Annotated Code of Maryland or the Maryland Rules, the person authorized to make a sale in an action to foreclose a mortgage or deed of trust shall give written notice of the proposed sale to:</text>
    <level label="1">
      <text>The record owner of the property to be sold; and</text>
    </level>
    <level label="2">
      <text>A condominium or homeowners association that, at least 30 days before the date of the proposed sale, has recorded a statement of lien against the property under the Maryland Contract Lien Act.</text>
    </level>
  </level>
  <level label="c">
    <level label="1">
      <text>The written notice shall be sent:</text>
      <level label="i">
        <text>By certified mail, postage prepaid, return receipt requested, bearing a postmark from the United States Postal Service, to the record owner and, if applicable, to a condominium or homeowners association at the address shown on the statement of lien; and</text>
      </level>
      <level label="ii">
        <text>By first–class mail.</text>
      </level>
    </level>
    <level label="2">
      <text>The notice shall state the time, place, and terms of the sale and shall be sent not earlier than 30 days and not later than 10 days before the date of sale.</text>
    </level>
    <level label="3">
      <text>The person giving the notice shall file in the proceedings:</text>
      <level label="i">
        <text>A return receipt; or</text>
      </level>
      <level label="ii">
        <text>An affidavit that:</text>
        <level label="1">
          <text>The provisions of this subsection have been complied with; or</text>
        </level>
        <level label="2">
          <text>The address of the record owner is not reasonably ascertainable.</text>
        </level>
      </level>
    </level>
    <level label="4">
      <text>The person authorized to make a sale in an action to foreclose a mortgage or deed of trust is not required to give notice to a record owner whose address is not reasonably ascertainable.</text>
    </level>
  </level>
  <level label="d">
    <text>In the event of postponement or cancellation of the sale, which may be done in the discretion of the trustee, the trustee shall, within 14 days after the postponement or cancellation, send a notice that the sale was postponed or canceled to the record owner and, if applicable, to a condominium or homeowners association to which notice of the proposed sale was sent under subsection (c) of this section, by first–class mail, postage prepaid.</text>
  </level>
  <level label="e">
    <text>The right of a record owner to file an action for the failure of the person authorized to make a sale in an action to foreclose a mortgage or deed of trust to comply with the provisions of this section shall expire 3 years after the date of the order ratifying the foreclosure sale.</text>
  </level>
</section>
