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: October 10, 2002
ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $105,000.00
MORTGAGOR(S): Jeffrey John Flor, a single person
MORTGAGEE: Wells Fargo Home Mortgage, Inc.
LENDER OR BROKER AND MORTGAGE ORIGINATOR STATED ON THE MORTGAGE: Wells Fargo Home Mortgage, Inc.
SERVICER: NewRez LLC, d/b/a Shellpoint Mortgage Servicing
DATE AND PLACE OF FILING: Filed November 20, 2002, Lake County Recorder, as Document Number 148931
ASSIGNMENTS OF MORTGAGE: Assigned to: Specialized Loan Servicing, LLC; thereafter assigned to Federal Home Loan Mortgage Corporation as Trustee for Freddie Mac Seasoned Credit Risk Transfer Trust, Series 2021-1
LEGAL DESCRIPTION OF PROPERTY:
West Half of Northeast Quarter of Northwest Quarter of Southeast Quarter (W1/2 of NE1/4 of NW1/4 of SE1/4), Section Thirty-three (33), Township Fifty-three (53), Range Eleven (11), Lake County Minnesota
PROPERTY ADDRESS: 636 Valley Road, Two Harbors, MN 55616
PROPERTY IDENTIFICATION NUMBER: 25-5311-33810
COUNTY IN WHICH PROPERTY IS LOCATED: Lake
THE AMOUNT CLAIMED TO BE DUE ON THE MORTGAGE ON THE DATE OF THE NOTICE: $52,284.35
THAT all pre-foreclosure requirements have been complied with; 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: July 17, 2025, 10:00AM
PLACE OF SALE: Sheriff’s Main Office, 613 3rd Ave, Two Harbors, MN 55616
to pay the debt 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 12 Months from the date of said sale by the mortgagor(s) the personal representatives or assigns.
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 17, 2026, or the next business day if July 17, 2026 falls on a Saturday, Sunday or legal holiday.
“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 5 UNITS, ARE NOT PROPERTY USED FOR AGRICULTURAL PRODUCTION, AND ARE ABANDONED.
Dated: May 8, 2025
Federal Home Loan Mortgage Corporation as Trustee for Freddie Mac Seasoned Credit Risk Transfer Trust, Series 2021-1
Assignee of Mortgagee
LOGS Legal Group LLP
Tracy J. Halliday – 034610X
LOGS Legal Group LLP
Attorneys for Mortgagee
1715 Yankee Doodle Road, Suite 210
Eagan, MN 55121
(952) 831-4060
THIS IS A COMMUNICATION FROM A DEBT COLLECTOR
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: John C. Seidel Jr. and Heather M. Seidel, Spouses Married To Each Other
Mortgagee: Mortgage Electronic Registration Systems, Inc., as Mortgagee, as nominee for C.U. Mortgage Services, Inc., its successors and assigns
Dated: May 25, 2017
Recorded: June 5, 2017
Lake County Recorder Document No. A000187669
Assigned To: Servion, Inc.
Dated: January 31, 2018
Recorded: February 2, 2018
Lake County Recorder Document No. A000189291
Transaction Agent: Mortgage Electronic Registration Systems, Inc.
Transaction Agent Mortgage Identification Number: 101003900000004063
Lender or Broker: C.U. Mortgage Services, Inc.
Residential Mortgage Servicer: Servion, Inc.
Mortgage Originator: C.U. Mortgage Services, Inc.
LEGAL DESCRIPTION OF PROPERTY: PARCEL A:
All that part of the following described contiguous parcels 1 and 2, which lie WESTERLY of the following described LINE A.
PARCEL 1:
That part of the West 250 feet of the Northeast Quarter of the Northeast Quarter, Section 2, Township 52 North, Range 11 West of the Fourth Principal Meridian, Lake County, Minnesota, lying North of the centerline of Trunk Highway No. 61;
EXCEPT that part thereof lying North of a line drawn parallel with and 197 feet southerly distant from the north line of said NE1/4 of NE1/4;
FURTHER EXCEPT the West 210 feet thereof lying between two lines drawn parallel with and distant, respectively, 197 feet and 583 feet southerly distant from the north line of said NE1/4 of NE1/4;
STILL FURTHER EXCEPT that part thereof described as follows: Beginning at the point of intersection of the west line of said NE1/4 of NE1/4 and the centerline of said Trunk Highway No. 61, run north, along said west line, 200 feet thence at a right angle in an easterly direction to the centerline of said Trunk Highway No. 61; thence southwesterly, along said centerline, to the Point of Beginning;
PARCEL 2:
South 140 feet of the North 583 feet of the West 210 feet of the Northeast Quarter of the Northeast Quarter, Section 2, Township 52 North, Range 11 West of the Fourth Principal Meridian, Lake County, Minnesota;
LINE A
Commencing at the Northwest corner of said PARCEL 2; thence North 90 degrees 00 minutes 00 seconds East, assumed bearing, along the north line of said PARCEL 2, a distance of 125.00 feet to the POINT OF BEGINNING; thence South 0 degrees 00 minutes 00 seconds East, 65.00 feet; thence North 90 degrees 00 minutes 00 seconds West, 48.00 feet; thence South 0 degrees 00 minutes 00 seconds East, 39.76 feet; thence South 56 degrees 50 minutes 18 seconds East, 159.24 feet; thence South 0 degrees 05 minutes 26 seconds East, 115.07 feet to the centerline of Trunk Highway No. 61, and said LINE A there terminating_
TOGETHER WITH DRIVEWAY EASEMENT:
A driveway easement through the East 40 feet of the West 250 feet of the Northeast Quarter of the Northeast
Quarter, Section 2, Township 52 North, Range 11 West of the Fourth Principal Meridian described as follows:
Commencing at the northeast corner of said East 40 feet of the West 250 feet thence South 0 degrees 05 minutes 26 seconds East, assumed bearing, along the East line of said East 40 feet of the West 250 feet, a distance of 695.22 feet to the center line of Trunk Highway No. 61, the POINT OF BEGINNING; thence North 60 degrees 24 minutes 23 seconds West, 46.04 feet to the West line of said East 40 feet of the West 250 feet thence North 0 degrees 05 minutes 26 seconds West, along said West line, 23.32 feet; thence South 60 degrees 13 minutes 58 seconds East, 46.12 feet to the East line of said East 40 feet of the West 250 feet; thence South 0 degrees 05 minutes 26 seconds East, along said East line, 23.16 feet to the POINT OF BEGINNING
This is Abstract Property.
TAX PARCEL NO.: 23-7600-02028
ADDRESS OF PROPERTY:
1055 Hwy 61
Two Harbors, MN 55616
COUNTY IN WHICH PROPERTY IS LOCATED: Lake
ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $180,805.00
AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE: $232,455.82
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: July 10, 2025, 10:00 AM
PLACE OF SALE: Sheriff’s Office, 613 Third Ave., Two Harbors, 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 January 10, 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: May 6, 2025
Servion, Inc., Assignee of Mortgagee
By: HALLIDAY, WATKINS & MANN, P.C.
Attorneys for:
Servion, Inc., 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.
MN24079.
