NOTICE OF MORTGAGE FORECLOSURE SALE

Minn. Stat. 580.025, 580.04
DATE: May 14, 2025
YOU ARE NOTIFIED that default has occurred in the conditions of the following described mortgage:
INFORMATION REGARDING MORTGAGE TO BE FORECLOSED
1. Date of Mortgage: September 11, 2015
2. Mortgagor: Katherin A. Senti, an unmarried individual
3. Mortgagee: Border State Bank (now known as Border Bank as sucessor by merger)
4. Recording Information: Recorded on September 18, 2015, at 3:55 PM as Document Number A000095577 in the Office of the County Recorder in Lake of the Woods County, Minnesota.   
5. Assignments of Mortgage, if any: Not applicable.
INFORMATION REGARDING MORTGAGED PREMISES
6. Tax parcel identification number of the mortgaged premises: 14-1444-010
7. Legal description of the mortgaged premises: 
 NE1/4 SE1/4 SE1/4, Section 14, Township 163 North, Range 34 West. 
8. The physical street address, city, and zip code of the mortgaged premises: 6052 Hunter Ridge Drive NW, Williams, Minnesota, 56686
OTHER FORECLOSURE DATA
9. The person holding the mortgage is not a transaction agent as defined by Minn. Stat. 58.02, subd. 30.
10. Name of Residential Mortgage Servicer and the Lender or Broker, and Originator: Border Bank, successor by merger of Border State Bank.
INFORMATION REGARDING FORECLOSURE
11. The requisites of Minn. Stat. 580.02 have been satisfied.
12. The original principal amount secured by the Mortgage was $42,500.00.
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 $29,191.90.
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 of the Woods County, Minnesota, at public auction on July 16, 2025, at 10:00 a.m. at the Lake of the Woods County Sheriff’s Office, 206 8th Ave SE, Suite #300, Baudette, MN 56623. 
15. The time allowed by law for redemption by the mortgagor or the mortgagor’s personal representatives or assigns is six (6) months after the date of sale.
16. Minn. Stat. 580.04(b) provides, “if the real estate is an owner-occupied, 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 January 16, 2026.
THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR’S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE (5) WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER THE MINESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE (5) UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL PRODUCTION, AND ARE ABANDONED.

Attorney(s) for Mortgagee: 
John D. Schroeder and Ryan Ames 
Zimney Foster P.C.
3100 South Columbia Road, Suite 200
Grand Forks, ND 58201
PLEASE BE ADVISED THAT THIS OFFICE IS ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE.

Publish May 21, 28, June 4, 11, 18, 25, 2025