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.

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NOTICE IS HEREBY GIVEN, that default has occurred in the conditions of the following described mortgage:

Mortgagor: Rebecca K Downes, single woman

Mortgagee: Mortgage Elecgtronic Registration Systems, Inc. as nominee for Lend Smart Mortgage, LLC

Dated: 08/30/2018

Recorded: 08/31/2018

Pope County Recorder Document No. 274691

Assigned To: PHH Mortgage Corporation

Dated: 08/05/2019

Recorded: 08/06/2019

Pope County Recorder Document No. 277443

Transaction Agent: Mortgage Electronic Registration Systems, Inc.

Transaction Agent Mortgage Identification Number: 1006919-10000528291

Lender or Broker: Lend Smart Mortgage, LLC, a limited liability company

Residential Mortgage Servicer: PHH Mortgage Corporation

Mortgage Originator: Lend Smart Mortgage, LLC, a limited liability company

LEGAL DESCRIPTION OF PROPERTY:  That part of the Northeast Quarter (NE1/4) of Section 26, Township 125, Range 39, described as follows: 

Commencing at the southeast corner of Lot 1, Block 3, Rambling Rails Addition; 

thence on plat bearing of North 89 degrees 49`44” West along the South line of said plat 145.00 feet to the southwest corner of said Lot 1; 

thence continuing North 89 degrees 49`44” West 245.00 feet; 

thence South 00 degrees 10`16” West 192.03 feet; 

thence South 89 degrees 59`44” East 53.30 feet to the point of beginning of the land to be described; 

thence South 51 degrees 26`16” West 737.70 feet; 

thence North 89 degrees 43`57” West 962.91 feet to the west line of said NE1/4; 

thence South 00 degrees 17`41” West 148.50 feet to the southwest corner of said NE1/4; 

thence North 89 degrees 42`09” East along the south line of said NE1/4, 1342.95 feet;

thence North 00 degrees 10`16” East 150.00 feet; thence North 89 degrees 42`09” East 318.00 feet;

thence North 00 degrees 10`16” East 254.25 feet;

thence North 89 degrees 42`09” East 34.50 feet; thence North 00 degrees 10`16” East 190.80 feet;

thence North 89 degrees 59`44” West 156.70 feet to the point of beginning. 

AND 

That part of the Northeast Quarter (NE1/4) of Section 26, Township 125 North, Range 39 West, Pope County, Minnesota, described as follows: 

Commencing at the southwest corner of Block 74, ORIGINAL TOWNSITE OF STARBUCK, according to the recorded plat thereof, said southwest corner of Block 74 being on the south line of said Northeast Quarter (NE1/4);  

thence South 89 degrees 42 minutes 09 seconds West, assumed bearing, along said south line of the Northeast Quarter (NE1/4), 280.50 feet to the point of beginning of the land to be described; 

thence continuing South 89 degrees 42 minutes 09 seconds West, along said south line, 318.00 feet to a point 1342.95 feet distant from the southwest corner of said Northeast Quarter (NE1/4); 

thence North 00 degrees 10 minutes 16 seconds East 150.00 feet;

thence North 89 degrees 42 minutes 09 seconds East 318.00 feet to a line bearing North 00 degrees 10 minutes 16 seconds East from said point of beginning;  

thence South 00 degrees 10 minutes 16 seconds West 150.00 feet to the point of beginning.

This is Abstract Property.

TAX PARCEL NO.:  27-0620-001

ADDRESS OF PROPERTY:

21 JOHN ST

STARBUCK, MN 56381

COUNTY IN WHICH PROPERTY IS LOCATED:  Pope

ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE:  $110,010.00

AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE: $111,463.45

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:  February 4, 2020, 10:00 AM

PLACE OF SALE:  Sheriff`s Office, 130 East Minnesota Ave., Glenwood, 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 August 4, 2020 at 11:59 p.m.   If the foregoing date is a Saturday, Sunday or legal holiday, then the date to vacate is the next business day 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: December 12, 2019

PHH Mortgage Corporation, Assignee of Mortgagee

By: HALLIDAY, WATKINS & MANN, P.C.

Attorneys for:

PHH Mortgage Corporation, 

Assignee of Mortgagee

101 Fifth Street East, Suite 2626

St. Paul, MN 55101

651-291-8955

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.

18787-19-00355-1

Dec. 23, 30, Jan. 6, 13, 20, 27