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NOTICE OF MORTGAGE FORECLOSURE SALE

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THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. NOTICE IS HEREBY GIVEN, that default has occurred in conditions of the following described mortgage: DATE OF MORTGAGE: March 28, 2023 MORTGAGOR: Dustin Van Ryswyk, a married man. MORTGAGEE: Mortgage Electronic Registration Systems, Inc., as mortgagee, as nominee for Fairway Independent Mortgage Corporation, its successors and assigns. DATE AND PLACE OF RECORDING: Recorded March 31, 2023 Hennepin County Recorder, Document No. 11190904. ASSIGNMENTS OF MORTGAGE: Assigned to: Lakeview Loan Servicing, LLC. Dated June 5, 2024 Recorded June 6, 2024, as Document No. 11289369. TRANSACTION AGENT: Mortgage Electronic Registration Systems, Inc. TRANSACTION AGENT'S MORTGAGE IDENTIFICATION NUMBER ON MORTGAGE: 1003924-1121259645-9 LENDER OR BROKER AND MORTGAGE ORIGINATOR STATED ON MORTGAGE: Fairway Independent Mortgage Corporation RESIDENTIAL MORTGAGE SERVICER: M&T Bank MORTGAGED PROPERTY ADDRESS: 6640 Walnut Drive, Minnetrista, MN 55364 TAX PARCEL I.D. #: 2211724410022 LEGAL DESCRIPTION OF PROPERTY: Lot 14, Block 1, SAUNDERS LAKE SOUTH, Hennepin County, Minnesota. COUNTY IN WHICH PROPERTY IS LOCATED: Hennepin ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $679,250.00 AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE, INCLUDING TAXES, IF ANY, PAID BY MORTGAGEE: $766,277.70 That prior to the commencement of this mortgage foreclosure proceeding Mortgagee/Assignee of Mortgagee complied with all notice requirements as required by statute; That no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: January 8, 2026 at 11:00 AM PLACE OF SALE: Hennepin County Sheriff's Office, Civil Division, Room 190, 350 South 5th Street, Minneapolis, MN to pay the debt then secured by said Mortgage, and taxes, if any, on said premises, and the costs and disbursements, including attorneys' fees allowed by law subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns unless reduced to Five (5) weeks under MN Stat. §580.07. TIME AND DATE TO VACATE PROPERTY: If the real estate is an owner-occupied, single-family dwelling, unless otherwise provided by law, the date on or before which the mortgagor(s) must vacate the property if the mortgage is not reinstated under section 580.30 or the property is not redeemed under section 580.23 is 11:59 p.m. on July 8, 2026, unless that date falls on a weekend or legal holiday, in which case it is the next weekday, and unless the redemption period is reduced to 5 weeks under MN Stat. Secs. 580.07 or 582.032. MORTGAGOR(S) RELEASED FROM FINANCIAL OBLIGATION ON MORTGAGE: None "THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL PRODUCTION, AND ARE ABANDONED." Dated: November 4, 2025 Lakeview Loan Servicing, LLC Mortgagee/Assignee of Mortgagee LIEBO, WEINGARDEN, DOBIE & BARBEE, P.L.L.P. Attorneys for Mortgagee/Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 37 - 25-006658 FC IN THE EVENT REQUIRED BY FEDERAL LAW: THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 11/13, 11/20, 11/27, 12/4, 12/11, 12/18/25 Star Tribune.
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NOTICE OF MORTGAGE FORECLOSURE SALE

NOTICE OF MORTGAGE FORECLOSURE SALE

THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. NOTICE IS HEREBY GIVEN, that default has occurred in conditions of the following described mortgage: DATE OF MORTGAGE: July 1, 2014 MORTGAGOR: Phyllis M. Wallace, unmarried. MORTGAGEE: U.S. Bank National Association. DATE AND PLACE OF RECORDING: Filed July 29, 2014, Ramsey County Registrar of Titles, Document No. T02509210 on Certificate of Title No. 658987. ASSIGNMENTS OF MORTGAGE: NONE Said Mortgage being upon Registered Land. TRANSACTION AGENT: NONE TRANSACTION AGENT'S MORTGAGE IDENTIFICATION NUMBER ON MORTGAGE: NONE LENDER OR BROKER AND MORTGAGE ORIGINATOR STATED ON MORTGAGE: U.S. Bank National Association RESIDENTIAL MORTGAGE SERVICER: U.S. Bank National Association MORTGAGED PROPERTY ADDRESS: 126 Martin Way, Vadnais Heights, MN 55127 TAX PARCEL I.D. #: 303022220046 LEGAL DESCRIPTION OF PROPERTY: Situated in the County of Ramsey, State of Minnesota, to-wit: Lot 6, Block 4, Vadnais Highlands. Subject to all easements, covenants, conditions, reservations, leases and restrictions of record, all legal highways, all rights of way, all zoning, building and other laws, ordinances and regulations, all rights of tenants in possession, and all real estate taxes and assessments not yet due and payable. COUNTY IN WHICH PROPERTY IS LOCATED: Ramsey ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $49,740.65 AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE, INCLUDING TAXES, IF ANY, PAID BY MORTGAGEE: $30,721.80 That prior to the commencement of this mortgage foreclosure proceeding Mortgagee/Assignee of Mortgagee complied with all notice requirements as required by statute; That no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: December 9, 2025 at 10:00 AM PLACE OF SALE: Ramsey County Sheriff's Office Civil Process, 360 Wabasha St. N. Suite 111, St. Paul, MN to pay the debt then secured by said Mortgage, and taxes, if any, on said premises, and the costs and disbursements, including attorneys' fees allowed by law subject to redemption within twelve (12) months from the date of said sale by the mortgagor(s), their personal representatives or assigns unless reduced to Five (5) weeks under MN Stat. §580.07. TIME AND DATE TO VACATE PROPERTY: If the real estate is an owner-occupied, single-family dwelling, unless otherwise provided by law, the date on or before which the mortgagor(s) must vacate the property if the mortgage is not reinstated under section 580.30 or the property is not redeemed under section 580.23 is 11:59 p.m. on December 9, 2026 unless that date falls on a weekend or legal holiday, in which case it is the next weekday, and unless the redemption period is reduced to 5 weeks under MN Stat. Secs. 580.07 or 582.032. MORTGAGOR(S) RELEASED FROM FINANCIAL OBLIGATION ON MORTGAGE: None "THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL PRODUCTION, AND ARE ABANDONED." Dated: October 8, 2025 U.S. Bank National Association Mortgagee/Assignee of Mortgagee LIEBO, WEINGARDEN, DOBIE & BARBEE, P.L.L.P. Attorneys for Mortgagee/Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 22 - 25-006074 FC IN THE EVENT REQUIRED BY FEDERAL LAW: THIS IS A COMMUNICATION FROM A DEBT COLLECTOR.
10/15 10/22 10/29 11/05 11/12 11/19/2025 Star Tribune

THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. NOTICE IS HEREBY GIVEN, that default has occurred in conditions of the following described mortgage: DATE OF MORTGAGE: July 1, 2014 MORTGAGOR: Phyllis M. Wallace, unmarried. MORTGAGEE: U.S. Bank National Association. DATE AND PLACE OF RECORDING: Filed July 29, 2014, Ramsey County Registrar of Titles, Document No. T02509210 on Certificate of Title No. 658987. ASSIGNMENTS OF MORTGAGE: NONE Said Mortgage being upon Registered Land. TRANSACTION AGENT: NONE TRANSACTION AGENT'S MORTGAGE IDENTIFICATION NUMBER ON MORTGAGE: NONE LENDER OR BROKER AND MORTGAGE ORIGINATOR STATED ON MORTGAGE: U.S. Bank National Association RESIDENTIAL MORTGAGE SERVICER: U.S. Bank National Association MORTGAGED PROPERTY ADDRESS: 126 Martin Way, Vadnais Heights, MN 55127 TAX PARCEL I.D. #: 303022220046 LEGAL DESCRIPTION OF PROPERTY: Situated in the County of Ramsey, State of Minnesota, to-wit: Lot 6, Block 4, Vadnais Highlands. Subject to all easements, covenants, conditions, reservations, leases and restrictions of record, all legal highways, all rights of way, all zoning, building and other laws, ordinances and regulations, all rights of tenants in possession, and all real estate taxes and assessments not yet due and payable. COUNTY IN WHICH PROPERTY IS LOCATED: Ramsey ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $49,740.65 AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE, INCLUDING TAXES, IF ANY, PAID BY MORTGAGEE: $30,721.80 That prior to the commencement of this mortgage foreclosure proceeding Mortgagee/Assignee of Mortgagee complied with all notice requirements as required by statute; That no action or proceeding has been instituted at law or otherwise to recover the debt secured by said mortgage, or any part thereof; PURSUANT to the power of sale contained in said mortgage, the above described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: December 9, 2025 at 10:00 AM PLACE OF SALE: Ramsey County Sheriff's Office Civil Process, 360 Wabasha St. N. Suite 111, St. Paul, MN to pay the debt then secured by said Mortgage, and taxes, if any, on said premises, and the costs and disbursements, including attorneys' fees allowed by law subject to redemption within twelve (12) months from the date of said sale by the mortgagor(s), their personal representatives or assigns unless reduced to Five (5) weeks under MN Stat. §580.07. TIME AND DATE TO VACATE PROPERTY: If the real estate is an owner-occupied, single-family dwelling, unless otherwise provided by law, the date on or before which the mortgagor(s) must vacate the property if the mortgage is not reinstated under section 580.30 or the property is not redeemed under section 580.23 is 11:59 p.m. on December 9, 2026 unless that date falls on a weekend or legal holiday, in which case it is the next weekday, and unless the redemption period is reduced to 5 weeks under MN Stat. Secs. 580.07 or 582.032. MORTGAGOR(S) RELEASED FROM FINANCIAL OBLIGATION ON MORTGAGE: None "THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL PRODUCTION, AND ARE ABANDONED." Dated: October 8, 2025 U.S. Bank National Association Mortgagee/Assignee of Mortgagee LIEBO, WEINGARDEN, DOBIE & BARBEE, P.L.L.P. Attorneys for Mortgagee/Assignee of Mortgagee 4500 Park Glen Road #300 Minneapolis, MN 55416 (952) 925-6888 22 - 25-006074 FC IN THE EVENT REQUIRED BY FEDERAL LAW: THIS IS A COMMUNICATION FROM A DEBT COLLECTOR.
10/15 10/22 10/29 11/05 11/12 11/19/2025 Star Tribune

Posted Online 4 weeks ago
Featured

NOTICE OF MORTGAGE FORECLOSURE SALE

NOTICE OF MORTGAGE FORECLOSURE SALE

THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. NOTICE IS HEREBY GIVEN: That default has occurred in the conditions of the following described mortgage: DATE OF MORTGAGE: July 17, 2019 ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $85,700.00 MORTGAGOR(S): David W. Ballinger, a single man MORTGAGEE: Mortgage Electronic Registration Systems, Inc., as nominee for CrossCountry Mortgage, Inc. DATE AND PLACE OF FILING: Recorded on July 26, 2019 as Document Number A10683527 in the Office of the County Recorder of Hennepin County, Minnesota. ASSIGNMENTS OF MORTGAGE: Assigned to: Wells Fargo Bank, N.A. by assignment recorded on November 17, 2021 as Document Number 11045459 in the Office of the County Recorder of Hennepin County, Minnesota; thereafter assigned to Nationstar Mortgage LLC by assignment recorded on July 17, 2023 as Document Number 11215449 in the Office of the County Recorder of Hennepin County, Minnesota. LEGAL DESCRIPTION OF PROPERTY: Apartment Number 126, Apartment Ownership Number 212, The Beach Condominium, a Condominium located in Hennepin County, Minnesota. STREET ADDRESS OF PROPERTY: 4207 LAKESIDE AVE N #126, BROOKLYN CENTER, MN 55429 COUNTY IN WHICH PROPERTY IS LOCATED: Hennepin County, Minnesota. THE AMOUNT CLAIMED TO BE DUE ON THE MORTGAGE ON THE DATE OF THE NOTICE: $79,549.37 TRANSACTION AGENT: Mortgage Electronic Registration Systems, Inc. NAME OF MORTGAGE ORIGINATOR: CrossCountry Mortgage, Inc. RESIDENTIAL SERVICER: Nationstar Mortgage LLC TAX PARCEL IDENTIFICATION NUMBER: 10-118-21-32-0097 TRANSACTION AGENT'S MORTGAGE IDENTIFICATION NUMBER: 1007191-0000399625-1 THAT no action or proceeding has been instituted at law to recover the debt then remaining secured by such mortgage, or any part thereof, or, if the action or proceeding has been instituted, that the same has been discontinued, or that an execution upon the judgment rendered therein has been returned unsatisfied, in whole or in part. PURSUANT, to the power of sale contained in said mortgage, the above described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: January 12, 2026 at 10:00 AM. PLACE OF SALE: Hennepin County Sheriff's Office, Room 190, Old Courthouse, 350 South Fifth St., Minneapolis, MN 55415. to pay the debt then secured by said mortgage and taxes, if any actually paid by the mortgagee, on the premises and the costs and disbursements allowed by law. The time allowed by law for redemption by said mortgagor(s), their personal representatives or assigns is six (6) months from the date of sale. TIME AND DATE TO VACATE PROPERTY: Unless said mortgage is reinstated or the property redeemed, or unless the time for redemption is reduced by judicial order, you must vacate the premises by 11:59 p.m. on July 13, 2026. THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL PRODUCTION, AND ARE ABANDONED. MORTGAGOR(S) RELEASED FROM FINANCIAL OBLIGATION ON MORTGAGE: David Ballinger Dated: October 31, 2025 NATIONSTAR MORTGAGE LLC Mortgagee TROTT LAW, P.C. By: /s/ N. Kibongni Fondungallah, Esq. Samuel R. Coleman, Esq. *Alexa Marsh, Esq.* Attorneys for Mortgagee 25 Dale Street North St. Paul, MN 55102 (651) 209-9760 (25-1180-FC01) THIS IS A COMMUNICATION FROM A DEBT COLLECTOR.
11/4, 11/11, 11/18, 11/25, 12/2, 12/9/25 Star Tribune

THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. NOTICE IS HEREBY GIVEN: That default has occurred in the conditions of the following described mortgage: DATE OF MORTGAGE: July 17, 2019 ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $85,700.00 MORTGAGOR(S): David W. Ballinger, a single man MORTGAGEE: Mortgage Electronic Registration Systems, Inc., as nominee for CrossCountry Mortgage, Inc. DATE AND PLACE OF FILING: Recorded on July 26, 2019 as Document Number A10683527 in the Office of the County Recorder of Hennepin County, Minnesota. ASSIGNMENTS OF MORTGAGE: Assigned to: Wells Fargo Bank, N.A. by assignment recorded on November 17, 2021 as Document Number 11045459 in the Office of the County Recorder of Hennepin County, Minnesota; thereafter assigned to Nationstar Mortgage LLC by assignment recorded on July 17, 2023 as Document Number 11215449 in the Office of the County Recorder of Hennepin County, Minnesota. LEGAL DESCRIPTION OF PROPERTY: Apartment Number 126, Apartment Ownership Number 212, The Beach Condominium, a Condominium located in Hennepin County, Minnesota. STREET ADDRESS OF PROPERTY: 4207 LAKESIDE AVE N #126, BROOKLYN CENTER, MN 55429 COUNTY IN WHICH PROPERTY IS LOCATED: Hennepin County, Minnesota. THE AMOUNT CLAIMED TO BE DUE ON THE MORTGAGE ON THE DATE OF THE NOTICE: $79,549.37 TRANSACTION AGENT: Mortgage Electronic Registration Systems, Inc. NAME OF MORTGAGE ORIGINATOR: CrossCountry Mortgage, Inc. RESIDENTIAL SERVICER: Nationstar Mortgage LLC TAX PARCEL IDENTIFICATION NUMBER: 10-118-21-32-0097 TRANSACTION AGENT'S MORTGAGE IDENTIFICATION NUMBER: 1007191-0000399625-1 THAT no action or proceeding has been instituted at law to recover the debt then remaining secured by such mortgage, or any part thereof, or, if the action or proceeding has been instituted, that the same has been discontinued, or that an execution upon the judgment rendered therein has been returned unsatisfied, in whole or in part. PURSUANT, to the power of sale contained in said mortgage, the above described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: January 12, 2026 at 10:00 AM. PLACE OF SALE: Hennepin County Sheriff's Office, Room 190, Old Courthouse, 350 South Fifth St., Minneapolis, MN 55415. to pay the debt then secured by said mortgage and taxes, if any actually paid by the mortgagee, on the premises and the costs and disbursements allowed by law. The time allowed by law for redemption by said mortgagor(s), their personal representatives or assigns is six (6) months from the date of sale. TIME AND DATE TO VACATE PROPERTY: Unless said mortgage is reinstated or the property redeemed, or unless the time for redemption is reduced by judicial order, you must vacate the premises by 11:59 p.m. on July 13, 2026. THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL PRODUCTION, AND ARE ABANDONED. MORTGAGOR(S) RELEASED FROM FINANCIAL OBLIGATION ON MORTGAGE: David Ballinger Dated: October 31, 2025 NATIONSTAR MORTGAGE LLC Mortgagee TROTT LAW, P.C. By: /s/ N. Kibongni Fondungallah, Esq. Samuel R. Coleman, Esq. *Alexa Marsh, Esq.* Attorneys for Mortgagee 25 Dale Street North St. Paul, MN 55102 (651) 209-9760 (25-1180-FC01) THIS IS A COMMUNICATION FROM A DEBT COLLECTOR.
11/4, 11/11, 11/18, 11/25, 12/2, 12/9/25 Star Tribune

Posted Online 4 weeks ago
Featured

NOTICE OF MORTGAGE FORECLOSURE SALE

NOTICE OF MORTGAGE FORECLOSURE SALE

THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. NOTICE IS HEREBY GIVEN, that default has occurred in the conditions of the following described mortgage: Mortgagor: Melanie L Windhauser and Charles W Bonkowske, All as Joint Tenants, both Single People Mortgagee: Mortgage Electronic Registration Systems, Inc., as Mortgagee, as nominee for Old National Bank., its successors and assigns Dated: September 10, 2021 Recorded: September 15, 2021 Wright County Recorder Document No. A1483843 Assigned To: Freedom Mortgage Corporation Dated: September 12, 2025 Recorded: September 12, 2025 Wright County Recorder Document No. A1585277 Transaction Agent: Mortgage Electronic Registration Systems, Inc. Transaction Agent Mortgage Identification Number: 1009106-0001002422-6 Lender or Broker: Old National Bank, a Corporation Residential Mortgage Servicer: Freedom Mortgage Corporation Mortgage Originator: Old National Bank, a Corporation LEGAL DESCRIPTION OF PROPERTY: Lot 7, except the Southerly 30 feet thereof, Block 29, Townsite of Monticello, according to the plat by John O. Haven, Wright County, Minnesota This is Abstract Property. TAX PARCEL NO.: 155-010-029070 ADDRESS OF PROPERTY: 406 W 3rd St Monticello, MN 55362 COUNTY IN WHICH PROPERTY IS LOCATED: Wright ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $237,373.00 AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE: $228,147.51 That prior to the commencement of this mortgage foreclosure proceeding Mortgagee/Assignee of Mortgagee complied with all notice requirements as required by statute; that no action or proceeding has been instituted at law to recover the debt then remaining secured by such mortgage, or any part thereof, or, if the action or proceeding has been instituted, that the same has been discontinued, or that an execution upon the judgment rendered therein has been returned unsatisfied, in whole or in part; PURSUANT to the power of sale contained in said mortgage, the above described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: January 5, 2026, 10:00 AM PLACE OF SALE: Sheriff's Office, 3800 Braddock Avenue NE, Buffalo, MN to pay the debt then secured by said Mortgage, and taxes, if any, on said premises, and the costs and disbursements, including attorneys' fees allowed by law subject to redemption within 6 Months from the date of said sale by the mortgagor(s), their personal representatives or assigns. DATE TO VACATE PROPERTY: The date on or before which the mortgagor must vacate the property if the mortgage is not reinstated under Minnesota Statutes section 580.30 or the property redeemed under Minnesota Statutes section 580.23 is July 5, 2026 at 11:59 p.m. MORTGAGOR(S) RELEASED FROM FINANCIAL OBLIGATION ON MORTGAGE: NONE THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL PRODUCTION, AND ARE ABANDONED. Dated: October 30, 2025 Freedom Mortgage Corporation, Assignee of Mortgagee By: HALLIDAY, WATKINS & MANN, P.C. Attorneys for: Freedom Mortgage Corporation, Assignee of Mortgagee 1333 Northland Drive, Suite 205 Mendota Heights, MN 55120 801-355-2886 651-228-1753 (fax) THIS COMMUNICATION IS FROM A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. MN25135.
11/7, 11/14, 11/21, 11/28, 12/5, 12/12/25 Star Tribune

THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. NOTICE IS HEREBY GIVEN, that default has occurred in the conditions of the following described mortgage: Mortgagor: Melanie L Windhauser and Charles W Bonkowske, All as Joint Tenants, both Single People Mortgagee: Mortgage Electronic Registration Systems, Inc., as Mortgagee, as nominee for Old National Bank., its successors and assigns Dated: September 10, 2021 Recorded: September 15, 2021 Wright County Recorder Document No. A1483843 Assigned To: Freedom Mortgage Corporation Dated: September 12, 2025 Recorded: September 12, 2025 Wright County Recorder Document No. A1585277 Transaction Agent: Mortgage Electronic Registration Systems, Inc. Transaction Agent Mortgage Identification Number: 1009106-0001002422-6 Lender or Broker: Old National Bank, a Corporation Residential Mortgage Servicer: Freedom Mortgage Corporation Mortgage Originator: Old National Bank, a Corporation LEGAL DESCRIPTION OF PROPERTY: Lot 7, except the Southerly 30 feet thereof, Block 29, Townsite of Monticello, according to the plat by John O. Haven, Wright County, Minnesota This is Abstract Property. TAX PARCEL NO.: 155-010-029070 ADDRESS OF PROPERTY: 406 W 3rd St Monticello, MN 55362 COUNTY IN WHICH PROPERTY IS LOCATED: Wright ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $237,373.00 AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE: $228,147.51 That prior to the commencement of this mortgage foreclosure proceeding Mortgagee/Assignee of Mortgagee complied with all notice requirements as required by statute; that no action or proceeding has been instituted at law to recover the debt then remaining secured by such mortgage, or any part thereof, or, if the action or proceeding has been instituted, that the same has been discontinued, or that an execution upon the judgment rendered therein has been returned unsatisfied, in whole or in part; PURSUANT to the power of sale contained in said mortgage, the above described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: January 5, 2026, 10:00 AM PLACE OF SALE: Sheriff's Office, 3800 Braddock Avenue NE, Buffalo, MN to pay the debt then secured by said Mortgage, and taxes, if any, on said premises, and the costs and disbursements, including attorneys' fees allowed by law subject to redemption within 6 Months from the date of said sale by the mortgagor(s), their personal representatives or assigns. DATE TO VACATE PROPERTY: The date on or before which the mortgagor must vacate the property if the mortgage is not reinstated under Minnesota Statutes section 580.30 or the property redeemed under Minnesota Statutes section 580.23 is July 5, 2026 at 11:59 p.m. MORTGAGOR(S) RELEASED FROM FINANCIAL OBLIGATION ON MORTGAGE: NONE THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL PRODUCTION, AND ARE ABANDONED. Dated: October 30, 2025 Freedom Mortgage Corporation, Assignee of Mortgagee By: HALLIDAY, WATKINS & MANN, P.C. Attorneys for: Freedom Mortgage Corporation, Assignee of Mortgagee 1333 Northland Drive, Suite 205 Mendota Heights, MN 55120 801-355-2886 651-228-1753 (fax) THIS COMMUNICATION IS FROM A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. MN25135.
11/7, 11/14, 11/21, 11/28, 12/5, 12/12/25 Star Tribune

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