Who is being foreclosed on?

Zachary Ray Werner and Jessica Jean Tracy Osman are the mortgagors listed in the notice.

Which bank is initiating the foreclosure?

American National Bank of Minnesota is the mortgagee initiating the foreclosure.

When was the mortgage originally recorded?

The mortgage was recorded January 31, 2020 in Cass County as document number A000657224.

Foreclosure — Cass

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Lender

Affects:HomeownersCreditorsProperty Buyers

A mortgage holder (American National Bank of Minnesota) notifies that Zachary Ray Werner and Jessica Jean Tracy Osman defaulted on a mortgage recorded in Cass County; a foreclosure sale is being initiated following a 2025 mortgage modification. The notice starts the process toward sale of the property.

Key Takeaways

Mortgagors Zachary R. Werner and Jessica J. T. Osman are in default
Mortgage dated Jan 28, 2020 recorded in Cass County
Mortgage was modified June 6, 2025
Foreclosure sale proceedings are being initiated

Published: May 12, 2026 · 1 week ago
Category: Foreclosure
City: Cass

Research context

2 foreclosure notices in Cass (last 12 months)

If you don't respond

If no action is taken before the foreclosure sale, the mortgagee may sell the property and the homeowners could lose ownership; specific sale date and redemption details are in the full notice and must be observed.

What to do next

1
Obtain the full notice
Retrieve the complete foreclosure notice from Cass County records to find sale date, redemption period, and contact info.
2
Contact the mortgagee or an attorney
Reach out to American National Bank of Minnesota or a foreclosure attorney immediately to discuss cure options or reinstatement.
3
Check county recorder documents
Review recorded documents (including Modification dated June 6, 2025) at the Cass County Recorder for exact property details.

Frequently asked questions

Who is being foreclosed on?: Zachary Ray Werner and Jessica Jean Tracy Osman are the mortgagors listed in the notice.
Which bank is initiating the foreclosure?: American National Bank of Minnesota is the mortgagee initiating the foreclosure.
When was the mortgage originally recorded?: The mortgage was recorded January 31, 2020 in Cass County as document number A000657224.

The suggestions and answers above are AI-generated for general information only. They can be wrong, and we don't take responsibility for their accuracy. Talk to a qualified professional before acting on them.

Legal terms in this notice

Mortgage modification: A written change to the original loan terms, such as payment or interest adjustments.
Default: Failure to meet loan obligations like missed payments.
Foreclosure sale: A public sale of the property to satisfy the unpaid mortgage debt.

Full Notice Text

NOTICE OFMORTGAGEFORECLOSURE SALETHE RIGHT TO VERI-FICATION OF THE DEBTAND IDENTITY OF THEORIGINAL CREDITORWITHIN THE TIMEPROVIDED BY LAW ISNOT AFFECTED BY THISACTION.Date: April 24, 2026YOU ARE NOTIFIEDTHAT:1. Default has occurredin the conditions of thatcertain Mortgage ownedby the undersigned thatwas executed by andbetween Zachary RayWerner and Jessica JeanTracy Osman, as husbandand wife, as Mortgagors,and American NationalBank of Minnesota, asMortgagee, which Mort-gage is dated January 28,2020, and was recorded,as document numberA000657224, on January31, 2020 with the Officeof the County Recorderin an for Cass County,Minnesota, and whichMortgage was modified bythat certain Modificationof Mortgage, dated June6, 2025, and was recorded,as document numberA

Related Notices

Notice

DateCategoryCity

This notice informs borrowers Zachary Ray Werner and Jessica Jean Tracy Osman that they’re in default on a mortgage originally dated January 28, 2020, held by American National Bank of Minnesota, and foreclosure sale proceedings are being initiated for the Cass County property. The mortgage was modified June 6, 2025.

May 19, 2026ForeclosureCass

Foreclosure — Cass

What to do next

Frequently asked questions

Legal terms in this notice

Related Notices

See also

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