NOTICE OF MORTGAGE FORECLOSURE SALETHE 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: April 26, 2018 ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $235,653.00 MORTGAGOR(S): Michael J. Hyland, an unmarried person MORTGAGEE: Mortgage Electronic Registration Systems, Inc., as nominee for Flagstar Bank, FSB n/k/a Flagstar Bank, N.A. DATE AND PLACE OF FILING: Recorded on May 3, 2018 as Document Number A04708437; as modified of record by document recorded on April 20, 2020 as Document Number A04807283; thereafter modified of record by document recorded on June 1, 2020 as Document Number A04813815 in the Office of the County Recorder of Ramsey County, Minnesota. ASSIGNMENTS OF MORTGAGE: Assigned to: Flagstar Bank, FSB n/k/a Flagstar Bank, N.A. by assignment recorded on January 29, 2019 as Document Number A04744420 in the Office of the County Recorder of Ramsey County, Minnesota. LEGAL DESCRIPTION OF PROPERTY: All of Lots Twenty-two (22) through Twenty-six (26), Block Eighteen (18), Fourth Addition to North St. Paul, Ramsey County, Minnesota. STREET ADDRESS OF PROPERTY: 2339 15TH AVE E, NORTH SAINT PAUL, MN 55109-2322 COUNTY IN WHICH PROPERTY IS LOCATED: Ramsey County, Minnesota. THE AMOUNT CLAIMED TO BE DUE ON THE MORTGAGE ON THE DATE OF THE NOTICE: $291,225.02 TRANSACTION AGENT: Mortgage Electronic Registration Systems, Inc. NAME OF MORTGAGE ORIGINATOR: Flagstar Bank, FSB n/k/a Flagstar Bank, N.A. RESIDENTIAL SERVICER: Flagstar Bank TAX PARCEL IDENTIFICATION NUMBER: 12.29.22.22.0067 TRANSACTION AGENT'S MORTGAGE IDENTIFICATION NUMBER: 100052550485124522 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: March 28, 2023 at 10:00 AM. PLACE OF SALE: Ramsey County Sheriff's Office, Lowry Building/City Hall Annex, 25 West 4th Street, Suite 150, St. Paul, MN 55101. 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 September 28, 2023. 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: January 27, 2023FLAGSTAR BANK, N.A. MortgageeTROTT 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 (19-0387-FC02) THIS IS A COMMUNICATION FROM A DEBT COLLECTOR.(February 2-9-16-23-March 2-9) ======== ST. PAUL LEGAL LEDGER ======= 2470874