NOTICE OF MORTGAGE FORECLOSURE SALE
DATE: November 12, 2025
INFORMATION REGARDING MORTGAGE TO BE FORECLOSED
1. Date of Mortgage: April 25, 2023
2. Mortgagors: Lynne M. Bergstedt aka Lynne M. Counter
3. Mortgagees: Two Harbors Federal Credit Union
4. Recording Information: Recorded on May 3, 2023, as Document Number A000202200, in the Office of the Recorder of Lake County, Minnesota, as amended of record.
5. Assignments of Mortgage, if any: NONE
INFORMATION REGARDING MORTGAGED PREMISES
6. Tax parcel identification number of the mortgaged premises: 23-7665- 73160
7. Legal description of the mortgaged premises:
Lot Sixteen (16), Block Seventy-Three (73), Minnesota Iron Company’s Fifth Addition to Two Harbors, Lake County, Minnesota
8. The physical street address, city, and zip code of the mortgaged premises: 601 12th Avenue, Two Harbors, Minnesota 55616
OTHER FORECLOSURE DATA
9. The person holding the Mortgage: is not a transaction agent, as defined by Minn. Stat. 58.02, subd. 30. The name(s) of the residential mortgage servicer and the lender or broker, as defined in Minn. Stat. 58.02, is Two Harbors Federal Credit Union.
10. If stated on the Mortgage, the name of the mortgage originator, as defined in Minn. Stat. 58.02, is Two Harbors Federal Credit Union.
INFORMATION REGARDING FORECLOSURE
11. The requisites of Minn. Stat. 580.02 have been satisfied.
12. The original principal amount secured by the Mortgage was $27,000.00.
13. At the date of this notice the amount due on the Mortgage, including taxes, if any, paid by the holder of the Mortgage, is: $25,863.09.
14. Pursuant to the power of sale in the Mortgage, the Mortgage will be foreclosed, and the mortgaged premises will be sold by the Sheriff of Lake County, Minnesota, at public auction on January 22, 2026, at 10:00 a.m., at the Lake County Sheriff’s Office, 613 3rd Avenue, Two Harbors, Minnesota 55616.
15. The time allowed by law for redemption by Mortgagor or Mortgagor’s personal representatives or assigns is six months after the date of sale.
16.Minn. Stat. 580.04(b) provides, “If the real estate is an owneroccupied, single-family dwelling, the notice must also specify the date on or before which the mortgagor must vacate the property if the mortgage is not reinstated under section 580.30 or the property redeemed under section 580.23.” If this statute applies, the time to vacate the property is 11:59 p.m. on July 22, 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.
/s/ Paul A. Loraas
Paul A. Loraas, #0249592
Attorney for Two Harbors
Federal Credit Union
Mortgagee or Mortgage Assignee:
Paul A. Loraas
Fryberger, Buchanan, Smith & Frederick, P.A.
302 W. Superior Street, Suite 700 Duluth, MN 55802
Name of Mortgagee or Mortgage Assignee:
Two Harbors Federal Credit Union
801 11th Street Two Harbors, MN 55616
NOTICE OF POSTPONEMENT
Date: January 20, 2026
YOU ARE NOTIFIED THAT
The mortgage foreclosure sale originally scheduled for January 22, 2026, at 10:00 a.m., at the Lake County Sheriff’s Office, 613 3rd Avenue, Two Harbors, Minnesota 55616, to foreclose upon the real property secured by a Mortgage executed by Lynne M. Bergstedt aka Lynne M. Counter, as Mortgagor, to Two Harbors Federal Credit Union, as Mortgagee, dated April 25, 2023, and filed for record May 3, 2023, as Document No. A000202200, in the Office of the Recorder, Lake County, Minnesota, has been postponed and will now be held on July 23, 2026, at 10:00 a.m.
As of November 12, 2025, the amount due on the Mortgage, and taxes, if any, paid by the holder of the Mortgage was: $25,863.09.
Mortgagor/occupant(s) must vacate the property on or before 11:59 p.m., January 23, 2027, if the mortgage is not reinstated prior to the date of sale or if the property is not redeemed subsequent to the Sheriff’s sale of the property.
Street Address, city and zip code of mortgaged premises: 601 12th Avenue, Two Harbors, Minnesota 55616
Transaction agent (if applicable); residential mortgage servicer; and lender or broker: Two Harbors
Federal Credit Union Tax parcel identification number(s): 23-7665-73160
Transaction Agent’s mortgage ID number (MERS number): Not applicable
Name of mortgage originator: Two Harbors Federal Credit union
/s/ Paul A. Loraas
Paul A. Loraas, #0249592
Fryberger, Buchanan, Smith &
Frederick, P.A.
302 W. Superior Street, Suite 700 Duluth, MN 55802
Attorney for Two Harbors
Federal Credit Union
Northshore Journal: January 23, 2026
