Minn. Stat. » CHAPTER 580. MORTGAGES; FORECLOSURE BY ADVERTISEMENT
Minnesota Statutes

Minn. Stat. § 580.27 (2026)

Effect Of Redemption

✓ text as last checked Sept. 2026 (this copy records no edition or section history)
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If redemption is made by the owner of the property sold, the owner's heirs, personal representatives or assigns, such redemption annuls the sale; if by a creditor holding a lien on the property, or some part thereof, the certificate of redemption, executed, acknowledged, and recorded as provided in section 580.26, operates as an assignment to the creditor of the right acquired under such sale, subject to such right of any other person to redeem as provided by law.

Notes of Decisions
Cited in 8 cases (1 in the last 5 years), 1986–2024 · leading case: Seaver v. New Buffalo Auto Sales (In re Hecker), 496 B.R. 541 (B.A.P. 8th Cir. 2013).
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Seaver v. New Buffalo Auto Sales (In re Hecker), 496 B.R. 541 (B.A.P. 8th Cir. 2013). · cites it 2× “Minn.Stat. Ann. § 580.27 ("If redemption is made by the owner of the property sold .”
Farmers & Merchants Bank of Preston v. Junge, 458 N.W.2d 698 (Minn. Ct. App. 1990). · cites it 2× “Minn.Stat. § 580.27 (1986). It is apparent from the statutory framework for foreclosure that title is not acquired until all rights of redemption have expired.”
Sprague Nat'l Bank v. Dotty, 415 N.W.2d 725 (Minn. Ct. App. 1987). · cites it 2× “Although redemption protects the mortgagor from the mortgagee’s low bid, because guarantors and mortgagors are separate entities, guarantors may remain liable for a deficiency resulting from the mortgagee’s low bid even after redemption by the mortgagor.”
City of St. Paul ex rel. Hous. & Redevelopment Auth. v. St. Anthony Flats Ltd. P'ship, 517 N.W.2d 58 (Minn. Ct. App. 1994). “§ 580.27 (1992). Passage of legal title and physical control of the property to the redemptioner is not a precondition for a valid redemption.”
Joing v. O & P P'ship (In re Joing), 61 B.R. 980 (Bankr. D. Minn. 1986). “…subject to all liens senior and junior to the foreclosing lien. Clark v. Butts, 78 Minn. 373 (1899), MINN.STAT. § 580.27.”
Prime Sec. Bank v. A&G Investments, Inc., No. A14-1370 (Minn. Ct. App. May 11, 2015). · cites it 4× “Minn. Stat. § 580.27 (2014). If there is no redemption by the mortgagor, the mortgagor’s personal representatives or assigns, the most senior creditor having a legal or equitable lien upon the mortgaged premises, or some part of it, subsequent to the foreclosed mortgage, may…”
L & T Tree Servs., LLC v. Daniel J. Andersen, No. a240572 (Minn. Ct. App. Sept. 30, 2024). · cites it 2× “” Minn. Stat. § 580.27 (2022). But if a creditor’s seven-day redemption period expires and the creditor has failed to redeem, the creditor may not thereafter redeem the property.”
Randall Seaver v. New Buffalo Auto Sales, LLC, No. 13-6005 (B.A.P. 8th Cir. Aug. 8, 2013). · cites it 2× “For 6 Minn. Stat. Ann. § 580.23 . 7 Minn. Stat.”
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