PUBLIC NOTICE

NOTICE OF MORTGAGE FORECLOSURE SALE

SPECIAL NOTICE: A JUNIOR MORTGAGE LIEN(S) IS RECORDED AGAINST THIS PROPERTY IN FAVOR OF THE SECRETARY OF VETERANS AFFAIRS, AN OFFICER OF THE UNITED STATES, WHICH MAY SURVIVE THIS FORECLOSURE AS A VALID LIEN, BASED ON A RULING IN SHOW ME STATE PREMIUM HOMES VS. MCDONNELL, 74 F.4th 911 (8th Cir. 2023)
NOTICE IS HEREBY GIVEN that default has occurred in the conditions of the following described mortgage:
DATE OF MORTGAGE: November 10, 2015
ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $134,290.00
MORTGAGOR(S): Stanley A Espeland and Susan K Espeland, husband and wife
MORTGAGEE: Mortgage Electronic Registration Systems, Inc., as mortgagee, as nominee for Lend Smart Mortgage, LLC, its successors and assigns
DATE AND PLACE OF RECORDING:
Recorded: November 23, 2015 Freeborn County Recorder
Document Number: A- 519408
LOAN MODIFICATION:
Dated: March 11, 2022
Recorded: May 31, 2022
Document Number: A555147
Dated: March 17, 2026
Recorded: April 20, 2026
Document Number: A573490
ASSIGNMENTS OF MORTGAGE:
And assigned to: PennyMac Loan Services, LLC
Dated: December 10, 2021
Recorded: December 10, 2021 Freeborn County Recorder
Document Number: A552363
Transaction Agent: Mortgage Electronic Registration Systems, Inc.
Transaction Agent Mortgage Identification Number: 1006919-1000030220-0
Lender/Broker/Mortgage Originator: Lend Smart Mortgage, LLC
Residential Mortgage Servicer: PennyMac Loan Services, LLC
COUNTY IN WHICH PROPERTY IS LOCATED: Freeborn
Property Address: 1918 Riviera Dr, Albert Lea, MN 56007-4345
Tax Parcel ID Number: 341410150
LEGAL DESCRIPTION OF PROPERTY: Lot 15, Auditor`s Plat No. 2 to the City of Albert Lea, as the same is platted and recorded in the office of the County Recorder of Freeborn County, Minnesota; less the East 100 feet of said Lot 15, said 100 feet being measured perpendicular to the East line of said Lot 15.
ALSO PREVIOUSLY DESCRIBED AS: Lot 15 of Auditor`s Plat No. 2 of the City of Albert Lea, less the East 100 feet thereof.
ALSO PREVIOUSLY DESCRIBED AS: Beginning at a point which point is 50.0 feet North and 459.9 feet West of the Southwest corner of the Southeast Quarter of the Southeast Quarter (SE1/4SE1/4) of Section 7, Township 102 North of Range 21 West; thence 241.55 feet West; thence 166.00 feet North; thence 243.65 feet East; thence 165.8 feet South to the point of beginning; and less the East 100 feet thereof, Freeborn County, Minnesota
AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE: $127,725.03
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: December 10, 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 June 10, 2027, or the next business day if June 10, 2027 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: October 15, 2026
MORTGAGEE: PennyMac Loan Services, LLC
Wilford, Geske & Cook, P.A.
Attorneys for Mortgagee
7616 Currell Boulevard, Suite 200
Woodbury, MN 55125
(651) 209-3300
File Number: 056217-F3

Albert Lea Tribune: Oct. 21, 28, Nov. 4, 11, 18 and 25, 2026
056217-F3