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(February 20, 27; March 6, 13, 20, 27, 2025)

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: Barbara Ostrue and James D. Lunzer, both single

Mortgagee: Mortgage Electronic Registration Systems, Inc., as mortgagee, as nominee for Cambria Financial Group LLC, a Minnesota LLC, its successors and assigns

Dated: November 21, 2014

Recorded: December 22, 2014

Chisago County Recorder Document No. A-574252

Assigned To: Freedom Mortgage Corporation

Dated: January 11, 2024

Recorded: January 11, 2024

Chisago County Recorder Document No. A-673194

Transaction Agent: Mortgage Electronic Registration Systems, Inc.

Transaction Agent Mortgage Identification Number: 100997021407210128

Lender or Broker: Cambria Financial Group LLC, a Minnesota LLC

Residential Mortgage Servicer: Freedom Mortgage Corporation

Mortgage Originator: Cambria Financial Group LLC, a Minnesota LLC

LEGAL DESCRIPTION OF PROPERTY:

All that part of the Northwest Quarter of the Southwest Quarter, Section 32, Township 34 North, Range 21, Chisago County, Minnesota, described as follows:

Commencing at the West Quarter corner of said Section 32; thence South along the West line thereof; 624 feet to the point of beginning; thence continue South along said West line, 700 feet to the Southwest corner of the Northwest Quarter of the Southwest Quarter of said Section 32, thence East at right angles, 473 feet; thence North, parallel with said West line, 700 feet; thence West at right angles, 473 feet to the point of beginning

This is Abstract Property.

TAX PARCEL NO.: 05.00505.00

ADDRESS OF PROPERTY: 30305 Falcon Ave., Stacy, MN 55079

COUNTY IN WHICH PROPERTY IS LOCATED: Chisago

ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $122,049.00

AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE: $116,369.23

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: April 18, 2025, 10:00 A.M.

PLACE OF SALE: Sheriff's Main Office, 15230 Per Road, Center City, 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 October 18, 2025 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: February 10, 2025

Freedom Mortgage Corporation,
Assignee of Mortgagee

By: HALLIDAY, WATKINS & MANN, P.C.
Attorneys for:
Freedom Mortgage Corporation, 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.
MN22783.

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