PUBLIC NOTICE NOTICE OF MORTGAGE FORECLO
Details
1/21/2026
AlbertLeaTribune.com
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PUBLIC NOTICE
NOTICE OF MORTGAGE FORECLOSURE SALE
NOTICE IS HEREBY GIVEN that default has occurred in the conditions of the following described mortgage:
DATE OF MORTGAGE: February 17, 2006
ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $361,600.00
MORTGAGOR(S): Steven D Ladwig and Jodi L Ladwig , Husband and Wife
MORTGAGEE: Mortgage Electronic Registration Systems, Inc., as mortgagee, as nominee for U.S. Bank N.A., its successors and assigns
DATE AND PLACE OF RECORDING:
Recorded: February 22, 2006 Freeborn County Recorder
Document Number: 459548
ASSIGNMENTS OF MORTGAGE:
And assigned to: U.S. Bank National Association
Dated: February 20, 2019
Recorded: February 20, 2019 Freeborn County Recorder
Document Number: A536419
Transaction Agent: Mortgage Electronic Registration Systems, Inc.
Transaction Agent Mortgage Identification Number: 100021278925790482
Lender/Broker/Mortgage Originator: U.S. Bank N.A.
Residential Mortgage Servicer: U.S. Bank National Association
COUNTY IN WHICH PROPERTY IS LOCATED: Freeborn
Property Address: 105 The Fairway, Albert Lea, MN 56007
Tax Parcel ID Number: 341350020
LEGAL DESCRIPTION OF PROPERTY: Lot 3 in Block 1 of Shoreland Heights, and lying and being in the City of Albert Lea, County of Freeborn, State of Minnesota
And
Lot 2 in Block 1 of Shoreland Heights in the City of Albert Lea, less and excepting that portion thereof described as follows: Beginning at the Northwest corner of Lot 2, Block 1, Shoreland Heights as the same is platted and recorded in the office of the County Recorder, Freeborn County, Minnesota, thence Southwesterly along the West line of said Lot 2, 179.00 feet; thence South 38°47` East 94.00 feet along the South line of said Lot 2; thence North 8°35` East 240.00 feet to the North line of said Lot 2; thence South 88°09` West 22.83 feet along the North line of said Lot 2 to the point of beginning; and lying and being in the City of Albert Lea
And
Beginning at a point on the North line of Lot 2, Block 1, Shoreland Heights, as the same is platted and recorded in the Office of the County Recorder of Freeborn County, Minnesota which point is 17.17 feet West of the Northeast corner thereof; thence South 15°09` West 218.42 feet to a point on the Southerly line of said Lot 2, which point is 69.98 feet Northwest of the Southeast corner thereof; thence South 38°47` East 33.98 feet on the Southerly line of said Lot 2; thence North 08°35` East 240.00 feet to the point of beginning; being part of Lot 2, Block 1, Shoreland Heights
AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE: $248,994.74
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: March 05, 2026 at 10:00 AM
PLACE OF SALE: County Sheriff`s office, Law Enforcement Center Conference Room, 411 South Broadway, Albert Lea, 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 September 08, 2026, or the next business day if September 08, 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 15, 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: 050602-F2
Albert Lea Tribune: Jan. 21, 28, Feb. 4, 11, 18 and 25, 2026
050602-F2
NOTICE OF MORTGAGE FORECLOSURE SALE
NOTICE IS HEREBY GIVEN that default has occurred in the conditions of the following described mortgage:
DATE OF MORTGAGE: February 17, 2006
ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $361,600.00
MORTGAGOR(S): Steven D Ladwig and Jodi L Ladwig , Husband and Wife
MORTGAGEE: Mortgage Electronic Registration Systems, Inc., as mortgagee, as nominee for U.S. Bank N.A., its successors and assigns
DATE AND PLACE OF RECORDING:
Recorded: February 22, 2006 Freeborn County Recorder
Document Number: 459548
ASSIGNMENTS OF MORTGAGE:
And assigned to: U.S. Bank National Association
Dated: February 20, 2019
Recorded: February 20, 2019 Freeborn County Recorder
Document Number: A536419
Transaction Agent: Mortgage Electronic Registration Systems, Inc.
Transaction Agent Mortgage Identification Number: 100021278925790482
Lender/Broker/Mortgage Originator: U.S. Bank N.A.
Residential Mortgage Servicer: U.S. Bank National Association
COUNTY IN WHICH PROPERTY IS LOCATED: Freeborn
Property Address: 105 The Fairway, Albert Lea, MN 56007
Tax Parcel ID Number: 341350020
LEGAL DESCRIPTION OF PROPERTY: Lot 3 in Block 1 of Shoreland Heights, and lying and being in the City of Albert Lea, County of Freeborn, State of Minnesota
And
Lot 2 in Block 1 of Shoreland Heights in the City of Albert Lea, less and excepting that portion thereof described as follows: Beginning at the Northwest corner of Lot 2, Block 1, Shoreland Heights as the same is platted and recorded in the office of the County Recorder, Freeborn County, Minnesota, thence Southwesterly along the West line of said Lot 2, 179.00 feet; thence South 38°47` East 94.00 feet along the South line of said Lot 2; thence North 8°35` East 240.00 feet to the North line of said Lot 2; thence South 88°09` West 22.83 feet along the North line of said Lot 2 to the point of beginning; and lying and being in the City of Albert Lea
And
Beginning at a point on the North line of Lot 2, Block 1, Shoreland Heights, as the same is platted and recorded in the Office of the County Recorder of Freeborn County, Minnesota which point is 17.17 feet West of the Northeast corner thereof; thence South 15°09` West 218.42 feet to a point on the Southerly line of said Lot 2, which point is 69.98 feet Northwest of the Southeast corner thereof; thence South 38°47` East 33.98 feet on the Southerly line of said Lot 2; thence North 08°35` East 240.00 feet to the point of beginning; being part of Lot 2, Block 1, Shoreland Heights
AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE: $248,994.74
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: March 05, 2026 at 10:00 AM
PLACE OF SALE: County Sheriff`s office, Law Enforcement Center Conference Room, 411 South Broadway, Albert Lea, 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 September 08, 2026, or the next business day if September 08, 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 15, 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: 050602-F2
Albert Lea Tribune: Jan. 21, 28, Feb. 4, 11, 18 and 25, 2026
050602-F2