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:
Mortgagor: Nicole M. Metcalf, a single person
Mortgagee: United States of America, acting through the Rural House Service or successor agency, United States Department of Agriculture
Dated: September 21, 2009
Recorded: September 23, 2009
Carlton County Recorder Document No. A000426933
Transaction Agent: N/A
Transaction Agent Mortgage Identification Number: N/A
Lender or Broker: United States of America, acting through the Rural House Service (and its successors)
Residential Mortgage Servicer: ISN Corporation
Mortgage Originator: United States of America, acting through the Rural House Service (and its successors)
LEGAL DESCRIPTION OF PROPERTY: Lots 1, 2, 3, 4, and 5 of Block 1, THOMSON, EXCEPT That part of Lot 1, Block 1, THOMSON, beginning at the Southerly tip of said Lot 1, Block 1, THOMSON; thence Northwesterly along the West line of Lot 1 a distance of 15 feet; thence Northwesterly along a line parallel to North line of said Lot 1 to East line of said Lot 1; thence South along the East line of said Lot 1 to the point of beginning, according to the plat thereof on file and of record in the office of the County Recorder; in and for Carlton County, Minnesota
This is Abstract Property.
TAX PARCEL NO.: 15-510-0020
ADDRESS OF PROPERTY:
15 Vermillion Street, Carlton, MN 55718
COUNTY IN WHICH PROPERTY IS LOCATED: Carlton
ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $144,502.00
AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE: $307,544.68
That prior to the commencement of this mortgage foreclosure proceeding Mortgagee/Assignee of Mortgagee complied with all notice requirements as required by statute; 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: June 2, 2026, 10:00 AM
PLACE OF SALE: Sheriff’s Office, 1780 Justice Dr, Ste 1300, Carlton, MN
to pay the debt then secured by said Mortgage, and taxes, if any, on said premises, and the costs and disbursements, including attorneys' fees allowed by law subject to redemption within 6 Months from the date of said sale by the mortgagor(s), their personal representatives or assigns.
DATE TO VACATE PROPERTY: The date on or before which the mortgagor must vacate the property if the mortgage is not reinstated under Minnesota Statutes section 580.30 or the property redeemed under Minnesota Statutes section 580.23 is December 2, 2026, at 11:59 p.m.
MORTGAGOR(S) RELEASED FROM FINANCIAL OBLIGATION ON MORTGAGE: NONE
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.
Important Notice to Potential Bidders: Federal law administered by the Financial Crimes Enforcement Network (“FinCEN”), a bureau of the U.S. Department of the Treasury, requires certain residential real estate transactions to be reported to the federal government. If you are the winning bidder at auction, you may be required to provide identifying information about yourself and, if applicable, any entity or trust purchasing the property. This information is required by federal law and must be provided to complete the sale. Failure to provide required information after the sale may delay or prevent issuance of the foreclosure deed.
Dated: March 12, 2026
United States of America, acting through the Rural Housing Service, United States Department of Agriculture, Mortgagee
By: HALLIDAY, WATKINS & MANN, P.C.
Attorneys for:
United States of America, acting through the Rural Housing Service, United States Department of Agriculture, Mortgagee
1333 Northland Drive, Suite 205
Mendota Heights, MN 55120
801-355-2886
651-228-1753 (fax)
THIS COMMUNICATION IS FROM A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE.
MN25826.
PKN April 3, 10, 17, 24, May 1, 8, 2026
