"Aberdeen - Royal Exchange"

Live Auction Bidders – A $20,000 deposit, payable by cashier’s check, will be required of the purchaser at time and place of sale. If necessitated by price, the deposit shall be increased to 10% of the purchase price by cashier’s check or wire transfer by 11:00 a.m. on Wednesday, April 1, 2026 (company or personal checks for the increased deposit will be accepted at the sale site or wiring instructions will be provided).

Online Auction Bidders – A 10% deposit, payable by cashier’s check or wire transfer, is due at the Auctioneer’s office by 4:00 p.m. on the day of auction. If you cannot comply with the deposit requirements, please do not participate in the auction. When you register for an online auction, a “ping” will be placed on your credit card and immediately voided, you will not be charged the deposit amount.

No buyer’s premium. For complete Terms Of Sale, see the Summary Terms Of Sale at the bottom of this page and please see the Sample Contract.

J. Michael Holloway, Attorney
Holloway & Sullivan, LLC
7 St. Paul Street – Suite 710
Baltimore, MD 21202

Guardian’s Sale

Live On-Site & Simulcast Online Bidding
$150,000 Opening Bid

ABERDEEN

“Royal Exchange”

SPLIT-FOYER HOME
3 Bedrooms ● 2 Baths ● Garage

Known As
709 PAUL DRIVE
Harford County, MD 21001

& FORD (2014) F150
PICK-UP TRUCK

Online Bidding Opens
(Real Estate)
MONDAY, MARCH 30, 2026

Live Onsite Auction
(Real Estate & Truck)
TUESDAY, MARCH 31, 2026
AT 11:00 A.M.

Pursuant to Orders of the Circuit Court for Harford County, passed in the matters of Sylvia Matthews, Case No. C-12-FM-24-1722 and Frederick Matthews, Case No. C-12-FM-25-001411, the undersigned Guardian of the Property will sell at public auction the assets as noted above.

Real Estate

LOCATION:
709 Paul Drive is located in eastern Harford County, east of I-95, west of Paradise Road (MD-462) and north of Beards Hill Road. The surrounding Royal Exchange neighborhood is comprised of well-kept single family homes, predominantly built in the 1980s. Nearby public schools are Roye-Williams Elementary, Aberdeen Middle and Aberdeen High, according to the HCPS online school locator. Shopping, community services and access to I-95 are about one mile south of the property.

SITE:
Generally level lot – 50′ x 153′, comprising 0.352 acre. Plat
Public utilities
Zoning R1, residential
Six-car asphalt driveway leads to garage
Storage shed
Wood fenced rear yard

IMPROVEMENTS:
Vinyl Sided Split-Foyer Home, built in 1987, containing 1,182 square feet on each level and a 576 square foot two-car garage, according to public tax records. The home has vinyl-clad double-hung windows, architectural shingle roof, concrete block foundation, and wood sun deck in rear. Home contains:

Entry Foyer – vinyl floor

Main Level

• Living Room – carpeting
• Dining Room – carpeting, exit to rear deck
• Eat-in Kitchen – vinyl floor, wood cabinets, laminate counters, electric range/oven, dishwasher, refrigerator
• Primary Bedroom – carpeting, En-Suite Shower Bath
• Bedroom #2 – carpeting
• Bedroom #3 – carpeting
• Full Hall Bathroom – vinyl floor

Lower Level

• Family Room – carpeting
• Laundry/Utility Room – exit to rear, washer/dryer, utility sink
• Storage Area – carpeting
• Workshop Area

Mechanical – electric heat pump and central air conditioning, 50-gallon electric water heater, 200-amp. electrical service, sump pump

The home is fully furnished and the furniture will not be removed.

TITLE:
The property is in fee simple and sold free and clear of liens. Harford County Deed Book CGH 1409, Page 414.

TAXES:
Published annual real estate taxes are $3,888, based on a full value assessment of $263,100.

Purchasers may petition for a reduction in the assessment of their property in conjunction with a purchase price substantially less than the currently assessed value of the property. Purchasers are encouraged to contact the Maryland State Department of Assessments & Taxation concerning the appeals process, and may see the following link for helpful information: Assessment Appeal Process – dat.maryland.gov

SUMMARY TERMS OF SALE:
Please see the contract of sale for complete terms.

Live Auction Bidders – A $20,000 deposit, payable by cashier’s check, will be required of the purchaser at time and place of sale. If necessitated by price, the deposit shall be increased to 10% of the purchase price by cashier’s check or wire transfer by 11:00 a.m. on Wednesday, April 1, 2026 (company or personal checks for the increased deposit will be accepted at the sale site or wiring instructions will be provided).

Online Auction Bidders – A 10% deposit, payable by cashier’s check or wire transfer, is due at the Auctioneer’s office by 4:00 p.m. on the day of auction. If you cannot comply with the deposit requirements, please do not participate in the auction.

Deposit funds shall be held by A. J. Billig & Co., LLC. Balance to be paid in cash at settlement, which shall take place within 45 days. If payment of the additional deposit or balance does not take place within the specified time, the deposit shall be forfeited and the property may be resold at the risk and expense of the purchaser. Interest to be charged on the unpaid purchase money, at the rate of 12% per annum, from date of contract to date of settlement. All adjustments, including taxes, all other public charges and assessments payable on a monthly or annual basis, and sanitary and/or metropolitan district charges, if any, to be adjusted for the current year to date of contract and assumed thereafter by the purchaser. The property will be sold in “AS IS, WHERE IS” condition, subject to easements, agreements, restrictions or covenants of record affecting same, if any. Purchaser assumes the risk of loss from the date of contract forward. If the Seller is unable to convey good and marketable title, the purchaser’s sole remedy in law or equity shall be limited to the refund of the deposit. Upon refund of the deposit this sale shall be null and void and of no effect, and the purchaser shall have no further claim against the Seller or Auctioneers. Recordation costs, transfer taxes and all costs incidental to settlement to be paid by the purchaser, except where otherwise mandated by local, State or Federal law. Time is of the essence.

No buyer’s premium.

Vehicle

FORD (2014) F-150 Pick-up Truck, VIN #1FTMF1EM0EKD36518, 3.7 liter V6. Please check back for additional information. Truck is sold “as is, where is”. Purchaser must have the vehicle inspected as provided by state law. TERMS – cash, cashier’s check or approved check at time and place of sale. No buyer’s premium.

Terry K. Sullivan, Guardian