COUGHLIN-NOTICE OF TRUSTEE’S SALE

Published 1:30 am Wednesday, February 25, 2026

NOTICE OF TRUSTEE’S SALE PURSUANT TO THE REVISED CODE OF WASHINGTON

CHAPTER 61.24, ET.SEQ.

Grantor: William Coughlin Emi Coughlin Grantee/Current beneficiary of the deed of trust: 1st Security Bank of Washington

Current trustee of the deed of trust: Rainier Trustee Services, Inc.

Current mortgage servicer of the deed of trust: 1st Security Bank of Washington

Reference number of the deed of trust: 2020003250476

Legal Description: LOT 26, WOODCREEK LANDING REC NO. 200407285002 Parcel number(s): 602468-0260

THIS NOTICE IS THE FINAL STEP BEFORE THE FORECLOSURE SALE OF YOUR HOME.

You have only until 90 calendar days BEFORE the date of sale listed in this Notice of Trustee Sale to be referred to mediation. If this is an amended Notice of Trustee Sale providing a 45-day notice of the sale, mediation must be requested no later than 25 calendar days BEFORE the date of sale listed in this amended Notice of Trustee Sale.

DO NOT DELAY. CONTACT A HOUSING COUNSELOR OR AN ATTORNEY LICENSED IN WASHINGTON NOW to assess your situation and refer you to mediation if you are eligible and it may help you save your home. See below for safe sources of help.

SEEKING ASSISTANCE

Housing counselors and legal assistance may be available at little or no cost to you. If you would like assistance in determining your rights and opportunities to keep your house, you may contact the following:

The statewide foreclosure hotline for assistance and referral to housing counselors recommended by the Housing Finance Commission

Telephone: Toll-free 1-877-894-HOME; (1-877-894-4663)

Website: http://dfi.wa.gov/consumers/homeownership/post_purchase_counselors_foreclosure.htm

The United States Department of Housing and Urban Development

Telephone: Toll-free 1-877-741-3281

Website: http://hud.gov/offices/hsg/sfh/hcc/fc/index.cfm?webListAction=search&searchstate=WA&filterSvc=dfc

http:/hud.gov/offices/hsg/sfh/hcc/hcs.cfm

The statewide civil legal aid hotline for assistance and referrals to other housing counselors and attorneys:

Telephone: Toll-free 1-888-201-1014

Website: http://nwjustice.org/what-clear

I.

NOTICE IS HEREBY GIVEN that the undersigned Trustee, Rainier Trustee Services, Inc., will on MARCH 27, 2026, at the hour of 10:00 a.m., outside the 2nd Floor Entry Plaza, County-City Building, 930 Tacoma Avenue S., Tacoma, WA 98402, in the City of Tacoma, State of Washington, sell at public auction to the highest and best bidder, payable at the time of sale, the following described real property, situated in the County of PIERCE, State of Washington, to wit:

LOT 26, WOODCREEK LANDING, ACCORDING TO THE PLAT THEREOF RECORDED UNDER RECORDING NUMBER 200407285002 RECORDS OF PIERCE COUNTY, WASHINGTON. SITUATE IN THE COUNTY OF PIERCE, STATE OF WASHINGTON. ABBREVIATED LEGAL:

LT 26, WOODCREEK LANDING REC NO 200407285002.

TAX PARCEL NO. 602468-0260

the postal address of which is more commonly known as:

15313 87TH AVENUE E, PUYALLUP,WA 98375

which is subject to that certain Deed of Trust recorded under Pierce County Auditor’s File No. 2020003250476 records of Pierce County, Washington. The Deed of Trust was granted by Willliam Coughlin and Emi Coughlin, a married couple, as Grantor, to Ticor Title- Puyallup, as original Trustee, to secure an obligation in favor of 1st Security Bank of Washington, as original beneficiary. 1st Security Bank of Washington is the current holder of the obligation secured by the above referenced Deed of Trust. II.

No action commenced by the Beneficiary of the Deed of Trust is now pending to seek satisfaction of the obligation in any Court by reason of the Borrower’s or Grantor’s default on the obligation secured by the Deed of Trust.

III.

The Default for which this foreclosure is made is as follows: Failure to pay when due the following amounts which are now in arrears:

a. Failure to pay the following past due amounts, which are in arrears: DEED OF TRUST Delinquent Payments Due

3 Delinquent Payments Due (at $2,982.65 each)

(June 1, 2025 – August 1, 2025: $8,947.95

3 Delinquent Payments Due (at $3,871.88 each)

(September 1, 2025- November 1, 2025) $11,615.64

Accrued Late Charges: $2,379.30

Inspections: $114.00 ‘Less Unapplied Funds: $ (2,776.66)

TOTAL: $20,280.23

* Plus applicable attorney’s fees and costs and foreclosure fees and costs

a. Default other than failure to make payment due:

N/A IV.

The sum owing on the obligation secured by the Deed of Trust is: Unpaid principal of $241,775.78; together with interest as provided in the note or other instrument secured from May 1, 2025; and such other advances, costs and fees as are due under the note or other instrument secured, and as are provided by statute. V.

The above-described real property will be sold to satisfy the expense of sale and the obligation secured by said Deed of Trust as provided by statute. The sale will be made without warranty, express or implied, regarding title, possession, or encumbrances on the 27th day of March 2026. The defaults referred to in paragraph III must be cured by the 16th day of March 2026 (11 days before the sale date) to cause a discontinuance of the sale. The sale will be discontinued and terminated if at any time on or before the 16th day of March, 2026 (11 days before the sale date), the default(s) as set forth in paragraph III are cured and the Trustee’s fees and costs are paid. The sale may be terminated any time after the 16th day of March, 2026 (11 days before the sale date), by the Borrower, Grantor, any Guarantor, or the holder of any recorded junior lien or encumbrance paying the entire principal and interest secured by the Deed of Trust plus costs, fees, and advances, if any, made pursuant to the terms of the obligation and/or Deed of Trust, and curing all other defaults. VI.

A written Notice of Default was transmitted by the Trustee to the Borrower, Grantor, Guarantors and other interested parties at the following addresses:

William Coughlin

15313 87th Avenue E

Puyallup, WA 98375

Emi Coughlin

15313 87th Avenue E

Puyallup, WA 98375

by both first class and certified mail on September 11, 2025, proof of which is in the possession of the Trustee; and the Borrower and Grantor were personally served on September 12, 2025, with said written Notice of Default or the written Notice of Default was posted in a conspicuous place on the real property described in paragraph I above, and the Trustee has in his possession proof of such service or posting.

VII.

The Trustee whose name and address is set forth below will provide in writing to anyone requesting it, a statement of all costs and fees due at any time prior to the sale.

VIII.

The effect of the sale will be to deprive the Grantor and all those who hold by, through or under the Grantor of all their interest in the above-described property.

IX.

Anyone having any objections to this sale on any grounds whatsoever will be afforded an opportunity to be heard as to those objections, if they bring a lawsuit to restrain the sale, pursuant to R.C.W. 61.24.130. Failure to bring such a lawsuit may result in a waiver of any proper grounds for invalidating the Trustee’s Sale.

X.

NOTICE TO OCCUPANTS OR TENANTS

The purchaser at the trustee’s sale is entitled to possession of the property on the 20th day following the sale, as against the grantor under the deed of trust (the owner) and anyone having an interest junior to the deed of trust, including occupants who are not tenants. After the 20th day following the sale the purchaser has the right to evict occupants who are not tenants by summary proceedings under chapter 59.12 RCW. For tenant occupied property, the purchaser shall provide a tenant with written notice in accordance with RCW 61.24.060.

DATED: November 17, 2025 RAINIER TRUSTEE SERVICES, INC

By: Thomas S. Linde, President Rainier Trustee Services, Inc. c/o

SCHWEET LINDE & ROSENBLUM, PLLC

5601 6th Avenue S., Suite 258

P.O. Box 80646 Seattle, WA 98108 (206) 381-0125

IDX-1026965

February 25, March 18, 2026