NOTICE OF DEFAULT AND FORECLOSURE SALE
NOTICE OF DEFAULT AND...
WHEREAS, on June 22, 2009, a certain Adjustable Rate Home Equity Conversion Mortgage was executed by Richard H. Johnson, a single person, as mortgagors, in favor of Wells Fargo Bank, N.A., as mortgagee, which was recorded on September 8, 2009 as Document Number A9418137 in the Office of the County Recorder of Hennepin County, Minnesota., and WHEREAS the mortgage was insured by the United States Secretary of Housing and Urban Development (the "Secretary" Scott Turner) pursuant to the National Housing Act for the purpose of providing single family housing; and, WHEREAS the mortgage is now held by the Secretary, through assignments to Bank of America, National Association by assignment recorded on November 17, 2009 as Document Number A9445620 in the Office of the County Recorder of Hennepin County, Minnesota; thereafter assigned to Nationstar Mortgage LLC d/b/a Champion Mortgage Company by assignment recorded on November 3, 2017 as Document Number A10498481 in the Office of the County Recorder of Hennepin County, Minnesota; thereafter assigned to Mortgage Assets Management, LLC by assignment recorded on February 22, 2022 as Document Number 11080037 in the Office of the County Recorder of Hennepin County, Minnesota; thereafter assigned to The Secretary of Housing and Urban Development by assignment recorded on November 6, 2023 as Document Number 11243588 in the Office of the County Recorder of Hennepin County, Minnesota. WHEREAS the mortgage at Paragraph (9)(a)(i) states that "Lender may require immediate payment in full of all sums secured by this Security Instrument if . . . [a] Borrower dies and the Property is not the principal residence of at least one surviving Borrower;" and, WHEREAS Richard H. Johnson died on October 5, 2025, and there is no other borrower occupying the property. The property is occupied as of December 17, 2025; and, WHEREAS the debt secured by the mortgage has been accelerated and is due and owing in the amount of $267,100.29 as of February 18, 2026, and which remains wholly unpaid, as of today's date; and, WHEREAS the debt must be paid in full to avoid foreclosure of the property commonly known as: 23680 141st Avenue N., Rogers, MN 55374; and, WHEREAS, by virtue of this default, the Secretary has declared the entire amount of the indebtedness secured by the mortgage to be immediately due and payable; NOW THEREFORE, pursuant to powers vested in me by the Single Family Mortgage Foreclosure Act of 1994, 12 U.S.C. § 3751 et seq., by 24 CFR part 27, subpart B, and by the Secretary's designation of me as Foreclosure Commissioner, recorded with the Hennepin County Recorder's office on September 10, 2020 as Document No.10836747. NOTICE IS HEREBY GIVEN that on April 22, 2026 at 10:00 AM local time, the real property located in the City of Rogers County of Hennepin, State of Minnesota, the below described will be sold at public auction to the highest bidder: The West 200 feet of the South 394.21 feet of the East Half of the Southwest Quarter (E1/2 of SW 1/4) of Section 10, Township 120 North, Range 23, West of the 5th Principal Meridian, Hennepin County, Minnesota Commonly known as: 23680 141st Avenue N., Rogers, MN 55374 Tax Parcel No: 10-120-23-34-0010 The sale will be held at the Hennepin County Sheriff's Office, which is located at Room 190, Old Courthouse, 350 South Fifth St., Minneapolis, MN 55415. The Secretary of Housing and Urban Development may bid any amount up to and including the total debt at the date of sale, plus any and all amounts recoverable under the provisions of the mortgage. There will be no proration of taxes, rents or other income or liabilities, except that the purchaser will pay, at or before closing, his pro rata share of any real estate taxes that have been paid by the Secretary to the date of the foreclosure sale. When making their bids, all bidders, except the Secretary, must submit a deposit totaling 10% of the successful bid in the form of a certified check or cashier's check, made payable to the Secretary of HUD. Each oral bid need not be accompanied by a deposit. If the successful bid is oral, a deposit of 10% of the successful bid must be presented when the bidding is closed. The deposit is nonrefundable. The remainder of the purchase price must be delivered within 30 days of the sale or such other time as the Secretary may determine for good cause shown, time being of the essence. This amount, like the bid deposits, must be delivered in the form of a certified or cashier's check. If the Secretary is the high bidder, he need not pay the bid amount in cash. The successful bidder will pay all conveyancing fees, all real estate and other taxes that are due on or after the delivery of the remainder of the payment and all other costs associated with the transfer of title. At the conclusion of the sale, the deposits of the unsuccessful bidders will be returned to them. The Secretary may grant an extension of time within which to deliver the remainder of the payment. All extensions will be for 15-day increments for a fee of $500.00, paid in advance. The extension fee shall be in the form of a certified or cashiers check made payable to the Secretary of HUD. If the high bidder closes the sale prior to the expiration of any extension period, the unused portion of the extension fee shall be applied toward the amount due. If the high bidder is unable to close the sale within the required period, or within any extensions of time granted by the Secretary, the high bidder may be required to forfeit the cash deposit or, at the election of the Foreclosure Commissioner after consultation with the HUD Field Office representative, will be liable to HUD for any costs incurred as a result of such failure. The Commission may, at the direction of the HUD Field Office Representative, offer the Property to the second highest bidder for an amount equal to the highest price offered by that bidder. There is no right of redemption, or right of possession based upon a right of redemption, in the mortgagor or others subsequent to a foreclosure completed pursuant to the Act. Therefore, the Foreclosure Commissioner will issue a Deed to the purchaser upon receipt of the entire purchase price in accordance with the terms of the sale, as provided herein. HUD does not guarantee that the property will be vacant. [This space intentionally left blank] The mortgage cannot be "reinstated" prior to sale, as the event triggering acceleration was not a default in payments. Payment of the entire outstanding balance of the mortgage debt is required to stop the foreclosure. The "outstanding balance" includes amounts that would be due under the mortgage agreement if payments under the mortgage had not been accelerated, advertising costs, posting costs and postage expenses incurred in giving notice, mileage by the most reasonable road distance for posting notices, reasonable and customary costs incurred for title and lien record searches, the necessary out-of-pocket costs incurred by the Foreclosure Commissioner for recording documents, a commission for the Foreclosure and all other costs incurred in connection with the foreclosure prior to the sale. Date: February 23, 2026 /s/ N. Kibongni Fondungallah N. Kibongni Fondungallah Foreclosure Commissioner for the United States Secretary of Housing and Urban Development 25 Dale Street North St. Paul, MN 55102 (651) 209-9760 STATE OF MINNESOTA ) COUNTY OF RAMSEY ) SS. On this 23rd day of February, 2026, before me, a Notary Public in and for Ramsey County, appeared N. Kibongni Fondungallah, Foreclosure Commissioner for the United States Secretary of Housing and Urban Development, to me personally known and being duly sworn did say that said instrument was signed and did acknowledge the same to be her free act and deed. [STAMP] /s/ Cari Brandner Name: Cari Brandner Notary Public, Dakota County, Minnesota My Commission Expires: January 31, 2030 Drafted by and when recorded return to: N. Kibongni Fondungallah Trott Law, PC 25 Dale Street North St. Paul, MN 55102 Trott # 26-0146-LIT01
3/3, 3/10, 3/17/26 Star Tribune
WHEREAS, on June 22, 2009, a certain Adjustable Rate Home Equity Conversion Mortgage was executed by Richard H. Johnson, a single person, as mortgagors, in favor of Wells Fargo Bank, N.A., as mortgagee, which was recorded on September 8, 2009 as Document Number A9418137 in the Office of the County Recorder of Hennepin County, Minnesota., and WHEREAS the mortgage was insured by the United States Secretary of Housing and Urban Development (the "Secretary" Scott Turner) pursuant to the National Housing Act for the purpose of providing single family housing; and, WHEREAS the mortgage is now held by the Secretary, through assignments to Bank of America, National Association by assignment recorded on November 17, 2009 as Document Number A9445620 in the Office of the County Recorder of Hennepin County, Minnesota; thereafter assigned to Nationstar Mortgage LLC d/b/a Champion Mortgage Company by assignment recorded on November 3, 2017 as Document Number A10498481 in the Office of the County Recorder of Hennepin County, Minnesota; thereafter assigned to Mortgage Assets Management, LLC by assignment recorded on February 22, 2022 as Document Number 11080037 in the Office of the County Recorder of Hennepin County, Minnesota; thereafter assigned to The Secretary of Housing and Urban Development by assignment recorded on November 6, 2023 as Document Number 11243588 in the Office of the County Recorder of Hennepin County, Minnesota. WHEREAS the mortgage at Paragraph (9)(a)(i) states that "Lender may require immediate payment in full of all sums secured by this Security Instrument if . . . [a] Borrower dies and the Property is not the principal residence of at least one surviving Borrower;" and, WHEREAS Richard H. Johnson died on October 5, 2025, and there is no other borrower occupying the property. The property is occupied as of December 17, 2025; and, WHEREAS the debt secured by the mortgage has been accelerated and is due and owing in the amount of $267,100.29 as of February 18, 2026, and which remains wholly unpaid, as of today's date; and, WHEREAS the debt must be paid in full to avoid foreclosure of the property commonly known as: 23680 141st Avenue N., Rogers, MN 55374; and, WHEREAS, by virtue of this default, the Secretary has declared the entire amount of the indebtedness secured by the mortgage to be immediately due and payable; NOW THEREFORE, pursuant to powers vested in me by the Single Family Mortgage Foreclosure Act of 1994, 12 U.S.C. § 3751 et seq., by 24 CFR part 27, subpart B, and by the Secretary's designation of me as Foreclosure Commissioner, recorded with the Hennepin County Recorder's office on September 10, 2020 as Document No.10836747. NOTICE IS HEREBY GIVEN that on April 22, 2026 at 10:00 AM local time, the real property located in the City of Rogers County of Hennepin, State of Minnesota, the below described will be sold at public auction to the highest bidder: The West 200 feet of the South 394.21 feet of the East Half of the Southwest Quarter (E1/2 of SW 1/4) of Section 10, Township 120 North, Range 23, West of the 5th Principal Meridian, Hennepin County, Minnesota Commonly known as: 23680 141st Avenue N., Rogers, MN 55374 Tax Parcel No: 10-120-23-34-0010 The sale will be held at the Hennepin County Sheriff's Office, which is located at Room 190, Old Courthouse, 350 South Fifth St., Minneapolis, MN 55415. The Secretary of Housing and Urban Development may bid any amount up to and including the total debt at the date of sale, plus any and all amounts recoverable under the provisions of the mortgage. There will be no proration of taxes, rents or other income or liabilities, except that the purchaser will pay, at or before closing, his pro rata share of any real estate taxes that have been paid by the Secretary to the date of the foreclosure sale. When making their bids, all bidders, except the Secretary, must submit a deposit totaling 10% of the successful bid in the form of a certified check or cashier's check, made payable to the Secretary of HUD. Each oral bid need not be accompanied by a deposit. If the successful bid is oral, a deposit of 10% of the successful bid must be presented when the bidding is closed. The deposit is nonrefundable. The remainder of the purchase price must be delivered within 30 days of the sale or such other time as the Secretary may determine for good cause shown, time being of the essence. This amount, like the bid deposits, must be delivered in the form of a certified or cashier's check. If the Secretary is the high bidder, he need not pay the bid amount in cash. The successful bidder will pay all conveyancing fees, all real estate and other taxes that are due on or after the delivery of the remainder of the payment and all other costs associated with the transfer of title. At the conclusion of the sale, the deposits of the unsuccessful bidders will be returned to them. The Secretary may grant an extension of time within which to deliver the remainder of the payment. All extensions will be for 15-day increments for a fee of $500.00, paid in advance. The extension fee shall be in the form of a certified or cashiers check made payable to the Secretary of HUD. If the high bidder closes the sale prior to the expiration of any extension period, the unused portion of the extension fee shall be applied toward the amount due. If the high bidder is unable to close the sale within the required period, or within any extensions of time granted by the Secretary, the high bidder may be required to forfeit the cash deposit or, at the election of the Foreclosure Commissioner after consultation with the HUD Field Office representative, will be liable to HUD for any costs incurred as a result of such failure. The Commission may, at the direction of the HUD Field Office Representative, offer the Property to the second highest bidder for an amount equal to the highest price offered by that bidder. There is no right of redemption, or right of possession based upon a right of redemption, in the mortgagor or others subsequent to a foreclosure completed pursuant to the Act. Therefore, the Foreclosure Commissioner will issue a Deed to the purchaser upon receipt of the entire purchase price in accordance with the terms of the sale, as provided herein. HUD does not guarantee that the property will be vacant. [This space intentionally left blank] The mortgage cannot be "reinstated" prior to sale, as the event triggering acceleration was not a default in payments. Payment of the entire outstanding balance of the mortgage debt is required to stop the foreclosure. The "outstanding balance" includes amounts that would be due under the mortgage agreement if payments under the mortgage had not been accelerated, advertising costs, posting costs and postage expenses incurred in giving notice, mileage by the most reasonable road distance for posting notices, reasonable and customary costs incurred for title and lien record searches, the necessary out-of-pocket costs incurred by the Foreclosure Commissioner for recording documents, a commission for the Foreclosure and all other costs incurred in connection with the foreclosure prior to the sale. Date: February 23, 2026 /s/ N. Kibongni Fondungallah N. Kibongni Fondungallah Foreclosure Commissioner for the United States Secretary of Housing and Urban Development 25 Dale Street North St. Paul, MN 55102 (651) 209-9760 STATE OF MINNESOTA ) COUNTY OF RAMSEY ) SS. On this 23rd day of February, 2026, before me, a Notary Public in and for Ramsey County, appeared N. Kibongni Fondungallah, Foreclosure Commissioner for the United States Secretary of Housing and Urban Development, to me personally known and being duly sworn did say that said instrument was signed and did acknowledge the same to be her free act and deed. [STAMP] /s/ Cari Brandner Name: Cari Brandner Notary Public, Dakota County, Minnesota My Commission Expires: January 31, 2030 Drafted by and when recorded return to: N. Kibongni Fondungallah Trott Law, PC 25 Dale Street North St. Paul, MN 55102 Trott # 26-0146-LIT01
3/3, 3/10, 3/17/26 Star Tribune
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