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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 the conditions of the following described mortgage: Mortgagor: Santosh Kumar Bhattarai and Bhabana Bhattarai, husband and wife, as joint tenants Mortgagee: Amerisave Mortgage Corporation, a Georgia Corporation, its successors and assigns Dated: August 15, 2023 Recorded: August 21, 2023 Hennepin County Recorder Document No. A11224329 Assigned To: Quorum Federal Credit Union Dated: August 18, 2023 Recorded: August 23, 2023 Hennepin County Recorder Document No. 11225173 Transaction Agent: N/A Transaction Agent Mortgage Identification Number: N/A Lender or Broker: Amerisave Mortgage Corporation, a Georgia Corporation Residential Mortgage Servicer: Cenlar FSB Mortgage Originator: Amerisave Mortgage Corporation, a Georgia Corporation LEGAL DESCRIPTION OF PROPERTY: The land hereinafter referred to is situated in the City of Brooklyn Park, County of Hennepin, State of MN, and is described as follows: The Following described real situate lying and being in the County of Hennepin, State of Minnesota, to-wit: Lot 5, Block 8, Maitland Addition, Hennepin County, Minnesota This is Abstract Property. TAX PARCEL NO.: 17-119-21-14-0087 ADDRESS OF PROPERTY: 9014 Hampshire Ave N Minneapolis, MN 55445 COUNTY IN WHICH PROPERTY IS LOCATED: Hennepin ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $48,000.00 AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE: $54,039.22 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: December 8, 2025, 10:00 AM PLACE OF SALE: Hennepin County Sheriff's Office, Civil Unit, 350 South Fifth Street, Room 190, 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 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 June 8, 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 8, 2025 Quorum Federal Credit Union, Assignee of Mortgagee By: HALLIDAY, WATKINS & MANN, P.C. Attorneys for: Quorum Federal Credit Union, 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. MN24808.
10/17, 10/24, 10/31, 11/7, 11/14, 11/21/2025 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 the conditions of the following described mortgage: Mortgagor: Phillip Steven Vesaas; a married man Mortgagee: Mortgage Electronic Registration Systems, Inc., as Mortgagee, as nominee for Cardinal Financial Company, Limited Partnership, its successors and assigns Dated: March 17, 2022 Filed: March 24, 2022 Anoka County Registrar of Titles Document No. 599566.002 Against Certificate of Title No.: 150276 Assigned To: Freedom Mortgage Corporation Dated: August 20, 2024 Filed August 22, 2024 Anoka County Registrar of Titles Document No. 619432.001 Against Certificate of Title No.: 150276 Transaction Agent: Mortgage Electronic Registration Systems, Inc. Transaction Agent Mortgage Identification Number: 1000922-1401538944-2 Lender or Broker: Cardinal Financial Company, Limited Partnership Residential Mortgage Servicer: Freedom Mortgage Corporation Mortgage Originator: Cardinal Financial Company, Limited Partnership LEGAL DESCRIPTION OF PROPERTY: Lot 2, Block 3, Sweetbay Ridge, Anoka County, Minnesota This is Registered Property. TAX PARCEL NO.: 16-32-25-13-0041 ADDRESS OF PROPERTY: 7513 161st Ave NW Ramsey, MN 55303 COUNTY IN WHICH PROPERTY IS LOCATED: Anoka ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $456,348.00 AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE: $456,110.74 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: November 20, 2025, 10:00 AM PLACE OF SALE: Sheriff's Office, 13301 Hanson Boulevard NW, Andover, 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 May 20, 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: September 26, 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. MN24972.
10/1, 10/8, 10/15, 10/22, 10/29, 11/5/25 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: Phillip Steven Vesaas; a married man Mortgagee: Mortgage Electronic Registration Systems, Inc., as Mortgagee, as nominee for Cardinal Financial Company, Limited Partnership, its successors and assigns Dated: March 17, 2022 Filed: March 24, 2022 Anoka County Registrar of Titles Document No. 599566.002 Against Certificate of Title No.: 150276 Assigned To: Freedom Mortgage Corporation Dated: August 20, 2024 Filed August 22, 2024 Anoka County Registrar of Titles Document No. 619432.001 Against Certificate of Title No.: 150276 Transaction Agent: Mortgage Electronic Registration Systems, Inc. Transaction Agent Mortgage Identification Number: 1000922-1401538944-2 Lender or Broker: Cardinal Financial Company, Limited Partnership Residential Mortgage Servicer: Freedom Mortgage Corporation Mortgage Originator: Cardinal Financial Company, Limited Partnership LEGAL DESCRIPTION OF PROPERTY: Lot 2, Block 3, Sweetbay Ridge, Anoka County, Minnesota This is Registered Property. TAX PARCEL NO.: 16-32-25-13-0041 ADDRESS OF PROPERTY: 7513 161st Ave NW Ramsey, MN 55303 COUNTY IN WHICH PROPERTY IS LOCATED: Anoka ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $456,348.00 AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE: $456,110.74 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: November 20, 2025, 10:00 AM PLACE OF SALE: Sheriff's Office, 13301 Hanson Boulevard NW, Andover, 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 May 20, 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: September 26, 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. MN24972.
10/1, 10/8, 10/15, 10/22, 10/29, 11/5/25 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: DATE OF MORTGAGE: December 30, 2021 ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $201,465.00 MORTGAGOR(S): Josie Bates, a single woman MORTGAGEE: Mortgage Electronic Registration Systems, Inc., as nominee for American Financial Network, Inc., DBA Orion Lending DATE AND PLACE OF FILING: Recorded on January 27, 2022 as Document Number A04931392 in the Office of the County Recorder of Ramsey County, Minnesota. ASSIGNMENTS OF MORTGAGE: Assigned to: Freedom Mortgage Corporation by assignment recorded on July 21, 2025 as Document Number A05072641 in the Office of the County Recorder of Ramsey County, Minnesota. LEGAL DESCRIPTION OF PROPERTY: Lot 6, except the west 4 ft thereof, and Lot 5, Block 4, Oak Ville Park, Ramsey County, Minnesota. STREET ADDRESS OF PROPERTY: 718 HYACINTH AVENUE E, SAINT PAUL, MN 55106 COUNTY IN WHICH PROPERTY IS LOCATED: Ramsey County, Minnesota. THE AMOUNT CLAIMED TO BE DUE ON THE MORTGAGE ON THE DATE OF THE NOTICE: $190,340.56 TRANSACTION AGENT: Mortgage Electronic Registration Systems, Inc. NAME OF MORTGAGE ORIGINATOR: American Financial Network, Inc., DBA Orion Lending RESIDENTIAL SERVICER: Freedom Mortgage Corporation TAX PARCEL IDENTIFICATION NUMBER: 202922440025 TRANSACTION AGENT'S MORTGAGE IDENTIFICATION NUMBER: 100412800027470221 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: December 09, 2025 at 10:00 AM. PLACE OF SALE: Ramsey County Sheriff's Office, 360 Wabasha St. N., Suite 111, St. Paul, MN 55102. 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 June 9, 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: None Dated: October 14, 2025 FREEDOM MORTGAGE CORPORATION 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 (25-1072-FC01) THIS IS A COMMUNICATION FROM A DEBT COLLECTOR.
10/17, 10/24, 10/31, 11/7, 11/14, 11/21/25 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: December 30, 2021 ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $201,465.00 MORTGAGOR(S): Josie Bates, a single woman MORTGAGEE: Mortgage Electronic Registration Systems, Inc., as nominee for American Financial Network, Inc., DBA Orion Lending DATE AND PLACE OF FILING: Recorded on January 27, 2022 as Document Number A04931392 in the Office of the County Recorder of Ramsey County, Minnesota. ASSIGNMENTS OF MORTGAGE: Assigned to: Freedom Mortgage Corporation by assignment recorded on July 21, 2025 as Document Number A05072641 in the Office of the County Recorder of Ramsey County, Minnesota. LEGAL DESCRIPTION OF PROPERTY: Lot 6, except the west 4 ft thereof, and Lot 5, Block 4, Oak Ville Park, Ramsey County, Minnesota. STREET ADDRESS OF PROPERTY: 718 HYACINTH AVENUE E, SAINT PAUL, MN 55106 COUNTY IN WHICH PROPERTY IS LOCATED: Ramsey County, Minnesota. THE AMOUNT CLAIMED TO BE DUE ON THE MORTGAGE ON THE DATE OF THE NOTICE: $190,340.56 TRANSACTION AGENT: Mortgage Electronic Registration Systems, Inc. NAME OF MORTGAGE ORIGINATOR: American Financial Network, Inc., DBA Orion Lending RESIDENTIAL SERVICER: Freedom Mortgage Corporation TAX PARCEL IDENTIFICATION NUMBER: 202922440025 TRANSACTION AGENT'S MORTGAGE IDENTIFICATION NUMBER: 100412800027470221 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: December 09, 2025 at 10:00 AM. PLACE OF SALE: Ramsey County Sheriff's Office, 360 Wabasha St. N., Suite 111, St. Paul, MN 55102. 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 June 9, 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: None Dated: October 14, 2025 FREEDOM MORTGAGE CORPORATION 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 (25-1072-FC01) THIS IS A COMMUNICATION FROM A DEBT COLLECTOR.
10/17, 10/24, 10/31, 11/7, 11/14, 11/21/25 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: Sean Garrett, unmarried Mortgagee: Mortgage Electronic Registration Systems, Inc., as mortgagee, as nominee for Luminate Home Loans, Inc., its successors and assigns Dated: January 16, 2024 Recorded: January 18, 2024 Hennepin County Recorder Document No. 11258388 Assigned To: U.S. Bank National Association Dated: July 17, 2025 Recorded: July 18, 2025 Hennepin County Recorder Document No. 11387363 Transaction Agent: Mortgage Electronic Registration Systems, Inc. Transaction Agent Mortgage Identification Number: 100867100001977485 Lender or Broker: Luminate Home Loans, Inc., a Corporation Residential Mortgage Servicer: U.S. Bank National Association Mortgage Originator: Luminate Home Loans, Inc., a Corporation LEGAL DESCRIPTION OF PROPERTY: Lot 5, Block 8, Silver Lake Addition to Minneapolis, Hennepin County, Minnesota This is Abstract Property. TAX PARCEL NO.: 0902924130161 ADDRESS OF PROPERTY: 3235 Dupont Ave N Minneapolis, MN 55412 COUNTY IN WHICH PROPERTY IS LOCATED: Hennepin ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $143,015.00 AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE: $149,200.94 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: December 9, 2025, 10:00 AM PLACE OF SALE: Hennepin County Sheriff's Office, Civil Unit, 350 South Fifth Street, Room 190, 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 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 June 9, 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 10, 2025 U.S. Bank National Association, Assignee of Mortgagee By: HALLIDAY, WATKINS & MANN, P.C. Attorneys for: U.S. Bank National Association, 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. MN24931.
10/20, 10/27, 11/3, 11/10, 11/17, 11/24/2025 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 the conditions of the following described mortgage: Mortgagor: Sean Garrett, unmarried Mortgagee: Mortgage Electronic Registration Systems, Inc., as mortgagee, as nominee for Luminate Home Loans, Inc., its successors and assigns Dated: January 16, 2024 Recorded: January 18, 2024 Hennepin County Recorder Document No. 11258388 Assigned To: U.S. Bank National Association Dated: July 17, 2025 Recorded: July 18, 2025 Hennepin County Recorder Document No. 11387363 Transaction Agent: Mortgage Electronic Registration Systems, Inc. Transaction Agent Mortgage Identification Number: 100867100001977485 Lender or Broker: Luminate Home Loans, Inc., a Corporation Residential Mortgage Servicer: U.S. Bank National Association Mortgage Originator: Luminate Home Loans, Inc., a Corporation LEGAL DESCRIPTION OF PROPERTY: Lot 5, Block 8, Silver Lake Addition to Minneapolis, Hennepin County, Minnesota This is Abstract Property. TAX PARCEL NO.: 0902924130161 ADDRESS OF PROPERTY: 3235 Dupont Ave N Minneapolis, MN 55412 COUNTY IN WHICH PROPERTY IS LOCATED: Hennepin ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $143,015.00 AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE: $149,200.94 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: December 9, 2025, 10:00 AM PLACE OF SALE: Hennepin County Sheriff's Office, Civil Unit, 350 South Fifth Street, Room 190, 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 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 June 9, 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 10, 2025 U.S. Bank National Association, Assignee of Mortgagee By: HALLIDAY, WATKINS & MANN, P.C. Attorneys for: U.S. Bank National Association, 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. MN24931.
10/20, 10/27, 11/3, 11/10, 11/17, 11/24/2025 Star Tribune

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