NOTICE OF MORTGAGE FORECLOSURE SALE

July 18, 2023

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: May 25, 2019

ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $184,500.00

MORTGAGOR(S): Bradley Bloom, an unmarried man

MORTGAGEE: Mortgage Electronic Registration Systems, Inc., as nominee for Bay Equity LLC

DATE AND PLACE OF FILING: Recorded on June 5, 2019 as Document Number A000100539 in the Office of the County Recorder of Lake of the Woods County, Minnesota.

ASSIGNMENTS OF MORTGAGE: Assigned to: Finance of America Reverse LLC by assignment recorded on May 26, 2023 as Document Number A000106949 in the Office of the County Recorder of Lake of the Woods County, Minnesota.

LEGAL DESCRIPTION OF PROPERTY: The land described herein is situated in the State of Minnesota, County of Lake of the Woods, described as follows:

The East 214.33 feet of the West 396.33 feet of Government Lot 4, Section Ten (10), Township One Hundred Sixty (160) North, Range Thirty (30) West of the 5th Principal Meridian lying North of the North right-of-way line of Trunk Highway No.11.

LESS and EXCEPT:

Real property located in Lake of the Woods County, Minnesota described as follows:

That portion of Government Lot 4, Section 10, Township 160 North, Range 30 West of the Fifth Principal Meridian described as follows:

Commencing at the Southwest corner of said Government Lot 4; thence North 01 degrees 04 minutes 29 seconds West, bearing based on the Lake of the Woods County Coordinate Database, 1047.88 feet along the West line of said Government Lot 4 to said North right-of-way line of STH No. 11 (State Trunk Highway Number 11); thence North 83 degrees 00 minutes 56 seconds East 356.60 feet along said North right-of-way line of STH No. 11; thence North 06 degrees 59 minutes 05 seconds West 15.00 feet continuing along said North right-of-way line of STH No. 11; thence North 83 degrees 00 minutes 56 seconds East 43.40 feet continuing along said North right-of-way line of STH No. 11 to the East line of the West 396.33 feet of said Government Lot 4, the point of beginning of the tract to be described (said point hereinafter being designated Point "A"); thence North 13 degrees 14 minutes 57 seconds West 96.77 feet; thence North 51 degrees 34 minutes 58 seconds East 25.67 feet to said East line of the West 396.33 feet of Government Lot 4; thence South 01 degree 04 minutes 29 seconds East 110.16 feet along said East line of the West 396.33 feet of Government Lot 4, to the point of beginning designated Point "A". (being the same property described in deed recorded 4/4/13 as doc #A000092124)

A.P.N.: 31-1023-051.

STREET ADDRESS OF PROPERTY: 2520 STATE HIGHWAY 11 SE, BAUDETTE, MN 56623

COUNTY IN WHICH PROPERTY IS LOCATED: Lake Of The Woods County, Minnesota.

THE AMOUNT CLAIMED TO BE DUE ON THE MORTGAGE ON THE DATE OF THE NOTICE: $66,209.65

TRANSACTION AGENT: Mortgage Electronic Registration Systems, Inc.

NAME OF MORTGAGE ORIGINATOR: Bay Equity LLC

RESIDENTIAL SERVICER: Celink

TAX PARCEL IDENTIFICATION NUMBER: 31-1023-051

TRANSACTION AGENT'S MORTGAGE IDENTIFICATION NUMBER: 1006166-0005000599-1

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: September 07, 2023 at 10:00 AM.

PLACE OF SALE: Lake Of The Woods County Sheriff’s Office, Law Enforcement Center, 206 Eighth Ave, Baudette, MN 56623.

to pay the debt then secured by said mortgage and taxes, if any actually paid by the mortgagee, on the premises and the costs and disbursements allowed by law. The time allowed by law for redemption by said mortgagor(s), their personal representatives or assigns is twelve (12) months from the date of sale.
TIME AND DATE TO VACATE PROPERTY: Unless said mortgage is reinstated or the property redeemed, or unless the time for redemption is reduced by judicial order, you must vacate the premises by 11:59 p.m. on September 9, 2024.

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.

MORTGAGOR(S) RELEASED FROM FINANCIAL OBLIGATION ON MORTGAGE: None

Dated: July 11, 2023

FINANCE OF AMERICA REVERSE LLC
Mortgagee

TROTT LAW, P.C.

By: /s/
N. Kibongni Fondungallah, Esq.

Samuel R. Coleman, Esq.

*Sung Woo Hong, Esq.*

Attorneys for Mortgagee

25 Dale Street North

St. Paul, MN 55102

(651) 209-9760

(23-0686-FC01)

THIS IS A COMMUNICATION FROM A DEBT COLLECTOR.

Publish July 19, 26, August 2, 9, 16, 23, 2023

%> "