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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: April 16, 2015 ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $195,000.00 MORTGAGOR(S): Patrick M. O'Day, unmarried MORTGAGEE: Mortgage Electronic Registration Systems, Inc., as nominee for American Advisors Group DATE AND PLACE OF FILING: Recorded on April 23, 2015 and memorialized upon Certificate of Title No. 603446 as Document Number T02528155 in the Office of the County Registrar of Titles of Ramsey County, Minnesota. ASSIGNMENTS OF MORTGAGE: Assigned to: American Advisors Group by assignment recorded on December 10, 2019 as Document Number T02654550 in the Office of the County Registrar of Titles of Ramsey County, Minnesota; thereafter assigned to Carrington Mortgage Services LLC by assignment recorded on October 30, 2025 as Document Number T02804627 in the Office of the County Registrar of Titles of Ramsey County, Minnesota. LEGAL DESCRIPTION OF PROPERTY: All the real property in Ramsey County, Minnesota, legally described as follows: Lot 34, Block 1, Tilsen's Maywood Heights. REGISTERED PROPERTY STREET ADDRESS OF PROPERTY: 1097 DALE STREET N, SAINT PAUL, MN 55117 COUNTY IN WHICH PROPERTY IS LOCATED: Ramsey County, Minnesota. THE AMOUNT CLAIMED TO BE DUE ON THE MORTGAGE ON THE DATE OF THE NOTICE: $158,165.85 TRANSACTION AGENT: Mortgage Electronic Registration Systems, Inc. NAME OF MORTGAGE ORIGINATOR: American Advisors Group RESIDENTIAL SERVICER: Celink TAX PARCEL IDENTIFICATION NUMBER: 262923110061 TRANSACTION AGENT'S MORTGAGE IDENTIFICATION NUMBER: 1009400-0005031034-2 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 20, 2026 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 twelve (12) 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 January 20, 2027. 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: November 10, 2025 CARRINGTON MORTGAGE SERVICES 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 (25-1021-FC01) THIS IS A COMMUNICATION FROM A DEBT COLLECTOR.
11/14, 11/21, 11/28, 12/5, 12/12, 12/19/25 Star Tribune
11/14, 11/21, 11/28, 12/5, 12/12, 12/19/25 Star Tribune
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