NOTICE IS HEREBY GIVEN that default has occurred in the conditions of the following described mortgage:
DATE OF MORTGAGE: October 1, 2021
ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $151,111.00
MORTGAGOR(S): Zoe C Hegge, an unmarried woman
MORTGAGEE: Mortgage Electronic Registration Systems, Inc., as mortgagee, as nominee for Guaranteed Rate Affinity, LLC, its successors and assigns
DATE AND PLACE OF RECORDING:
Recorded: October 8, 2021 Fillmore County Recorder
Document Number: 434944
ASSIGNMENTS OF MORTGAGE:
And assigned to: U.S. Bank National Association
Dated: October 24, 2025
Recorded: October 24, 2025 Fillmore County Recorder
Document Number: 452441
Transaction Agent: Mortgage Electronic Registration Systems, Inc.
Transaction Agent Mortgage Identification Number: 101398219004726289
Lender/Broker/Mortgage Originator: Guaranteed Rate Affinity, LLC
Residential Mortgage Servicer: U.S. Bank National Association
COUNTY IN WHICH PROPERTY IS LOCATED: Fillmore
Property Address: 513 S Section Ave, Spring Valley, MN 55975
Tax Parcel ID Number: 36.0497.000
LEGAL DESCRIPTION OF PROPERTY: Lot 4, Block 24, in Spring Valley Company`s Addition to the City (formerly Village) of Spring Valley, Fillmore County, Minnesota
AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE: $152,738.87
THAT all pre-foreclosure requirements have been complied with; 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 26, 2026 at 10:00 AM
PLACE OF SALE: County Sheriff`s office, in the main lobby of the Fillmore County Courthouse, Courthouse Square, 101 Fillmore St., Preston, Minnesota to pay the debt secured by said mortgage and taxes, if any, on said premises and the costs and disbursements, including attorney fees allowed by law, subject to redemption within six (6) months from the date of said sale by the mortgagor(s), their personal representatives or assigns.
If the Mortgage is not reinstated under Minn. Stat. §580.30 or the property is not redeemed under Minn. Stat. §580.23, the Mortgagor must vacate the property on or before 11:59 p.m. on August 26, 2026, or the next business day if August 26, 2026 falls on a Saturday, Sunday or legal holiday.
Mortgagor(s) released from financial obligation: NONE
THIS COMMUNICATION IS FROM A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE.
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.
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: January 7, 2026
MORTGAGEE:
U.S. Bank National Association
Wilford, Geske & Cook, P.A.
Attorneys for Mortgagee
7616 Currell Boulevard, Suite 200
Woodbury, MN 55125
(651) 209-3300
File Number: 057588-F1
Publish 12,19,26,2,9,16
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