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: November 16, 2005 MORTGAGOR: Mindy Marie Mcelmury and Jacy Mcelmury, wife and husband as joint tenants. MORTGAGEE: Mortgage Electronic Registration Systems, Inc., as mortgagee, as nominee for First Solution Lending, Inc., its successors and assigns. DATE AND PLACE OF RECORDING: Filed December 8, 2005, Ramsey County Registrar of Titles, Document No. 1942997 on Certificate of Title No. 625662. ASSIGNMENTS OF MORTGAGE: Assigned to: The Bank of New York Mellon FKA The Bank of New York as Trustee for the Certificateholders of The CWABS Inc., Asset-Backed Certificates, Series 2005-14. Dated June 1, 2012 Filed June 13, 2012, as Document No. 2176351. And thereafter assigned to: The Bank of New York Mellon, f/k/a/The Bank of New York as trustee for Registered Holders of CWABS, Inc., Asset-Backed Certificates, Series 2005-14. Dated January 31, 2022 Filed February 4, 2022 , as Document No. T02724632. Said Mortgage being upon Registered Land. TRANSACTION AGENT: Mortgage Electronic Registration Systems, Inc. TRANSACTION AGENT'S MORTGAGE IDENTIFICATION NUMBER ON MORTGAGE: 1003366-0511020050-7 LENDER OR BROKER AND MORTGAGE ORIGINATOR STATED ON MORTGAGE: First Solution Lending, Inc. RESIDENTIAL MORTGAGE SERVICER: Carrington Mortgage Services LLC MORTGAGED PROPERTY ADDRESS: 3823 Midland Avenue, White Bear Lake, MN 55110 TAX PARCEL I.D. #: 26.30.22.31.0033 LEGAL DESCRIPTION OF PROPERTY: LOT 82, NORTON'S RICHFIELD ACRES, RAMSEY COUNTY, MINNESOTA. COUNTY IN WHICH PROPERTY IS LOCATED: Ramsey ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $188,800.00 AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE, INCLUDING TAXES, IF ANY, PAID BY MORTGAGEE: $200,617.07 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 6, 2026 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 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 6, 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 5, 2025 The Bank of New York Mellon f/k/a The Bank of New York, as Trustee 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 85 - 25-006651 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.
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: November 16, 2005 MORTGAGOR: Mindy Marie Mcelmury and Jacy Mcelmury, wife and husband as joint tenants. MORTGAGEE: Mortgage Electronic Registration Systems, Inc., as mortgagee, as nominee for First Solution Lending, Inc., its successors and assigns. DATE AND PLACE OF RECORDING: Filed December 8, 2005, Ramsey County Registrar of Titles, Document No. 1942997 on Certificate of Title No. 625662. ASSIGNMENTS OF MORTGAGE: Assigned to: The Bank of New York Mellon FKA The Bank of New York as Trustee for the Certificateholders of The CWABS Inc., Asset-Backed Certificates, Series 2005-14. Dated June 1, 2012 Filed June 13, 2012, as Document No. 2176351. And thereafter assigned to: The Bank of New York Mellon, f/k/a/The Bank of New York as trustee for Registered Holders of CWABS, Inc., Asset-Backed Certificates, Series 2005-14. Dated January 31, 2022 Filed February 4, 2022 , as Document No. T02724632. Said Mortgage being upon Registered Land. TRANSACTION AGENT: Mortgage Electronic Registration Systems, Inc. TRANSACTION AGENT'S MORTGAGE IDENTIFICATION NUMBER ON MORTGAGE: 1003366-0511020050-7 LENDER OR BROKER AND MORTGAGE ORIGINATOR STATED ON MORTGAGE: First Solution Lending, Inc. RESIDENTIAL MORTGAGE SERVICER: Carrington Mortgage Services LLC MORTGAGED PROPERTY ADDRESS: 3823 Midland Avenue, White Bear Lake, MN 55110 TAX PARCEL I.D. #: 26.30.22.31.0033 LEGAL DESCRIPTION OF PROPERTY: LOT 82, NORTON'S RICHFIELD ACRES, RAMSEY COUNTY, MINNESOTA. COUNTY IN WHICH PROPERTY IS LOCATED: Ramsey ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $188,800.00 AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE, INCLUDING TAXES, IF ANY, PAID BY MORTGAGEE: $200,617.07 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 6, 2026 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 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 6, 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 5, 2025 The Bank of New York Mellon f/k/a The Bank of New York, as Trustee 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 85 - 25-006651 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.
Posted Online 1 day ago
