Mortgage Foreclosure

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:
DATE OF MORTGAGE: October 5, 2018
ORIGINAL PRINCIPAL AMOUNT OF 
MORTGAGE: $146,464.00
MORTGAGOR(S): Joseph B. Gable, an unmarried man
MORTGAGEE: Mortgage Electronic Registration Systems, Inc., as 
nominee for Bay Equity LLC.
DATE AND PLACE OF FILING: Recorded on October 8, 2018 as Document Number A000420579, as modified of record by document recorded on January 24, 2022 as Document Number A000441055 in the Office of the County Recorder of Steele 
County, Minnesota.
ASSIGNMENTS OF MORTGAGE: Assigned to: Lakeview Loan 
Servicing, LLC by 
assignment recorded on August 31, 2021 as Document Number A000438267 in the Office of the County Recorder of Steele County, Minnesota.
LEGAL DESCRIPTION OF PROPERTY: Lot Six (6) in Block Four (4) in Kneeland`s Addition to the City of Owatonna, Minnesota, Steele County, Minnesota.
STREET ADDRESS OF PROPERTY: 239 E MCKINLEY ST, OWATONNA, MN 55060
COUNTY IN WHICH PROPERTY IS 
LOCATED: Steele 
County, Minnesota.
THE AMOUNT CLAIMED TO BE DUE ON THE MORTGAGE ON THE DATE OF THE NOTICE: $151,566.84
TRANSACTION AGENT: Mortgage Electronic 
Registration Systems, Inc.
NAME OF MORTGAGE ORIGINATOR: Bay Equity LLC.
RESIDENTIAL 
SERVICER: Flagstar Bank, N.A.
TAX PARCEL
IDENTIFICATION 
NUMBER: 17-125-0421
TRANSACTION AGENT’S MORTGAGE IDENTIFICATION 
NUMBER: 
1006166-0004068753-6
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: May 14, 2024 at 10:00 AM.
PLACE OF SALE: Steele County Sheriff’s Office, Law Enforcement Center, 204 Pearl Street East, Owatonna, MN 55060.

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 six (6) 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 November 14, 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: March 14, 2024

LAKEVIEW LOAN 
SERVICING, 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
(24-0208-FC01)

THIS IS A 
COMMUNICATION FROM A DEBT 
COLLECTOR.

3.20-4.24