Foreclosure auction?


Question:
I will attend an auction on May 4, I know is too late to do research but this is the descriptiopn so far:

The amount due under the Judgment is $5,120.16, with interest, costs, etc. Sale subject to terms of sale and provisions of the Judgment herein, including being subject to a mortgage held by Charles C, upon which there is due the principal sum of $12,300.00 with interest.

However, I called the refer for the auction and he told me the upset price begins at $13,124.
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