Minnesota Foreclosure Guide
Minnesota uses judicial foreclosure (foreclosure by action) or non-judicial (foreclosure by advertisement). The redemption period is six months after sheriff's sale for most properties — one year if the property is agricultural or if the amount owed is less than two-thirds of the appraised value. Minnesota counties conduct sheriff's sales on courthouse steps, and redemption certificates are actively traded.
Process Type
Both
Typical Timeline
90 days+ (+ 6-mo redemption)
Sale Method
Sheriff's sale
Minnesota Title Risk Articles
Hennepin County Sheriff's Sale: The Six-Month Redemption Period That Can Unwind Your Minneapolis Investment
Minnesota's statutory redemption gives former owners six months to reclaim property after Hennepin County sheriff's sales — a timeline that catches unprepared investors.
Mortgage Foreclosure by Advertisement in Ramsey County: The Title Risks That Haunt St. Paul Auction Buyers
Minnesota's non-judicial foreclosure process creates specific title gaps in Ramsey County that standard searches miss—especially redemption and procedural defects.
Minnesota's Six-Month Redemption Period: Why Your Foreclosure Purchase Doesn't Guarantee Possession
Minnesota foreclosure buyers face a statutory redemption window that lets former owners reclaim properties—even after the sheriff's sale closes.
County-Level Exceptions Investors Should Know
Statewide rules only tell part of the story. These county-level quirks catch out-of-state investors off guard.
Hennepin County (Minneapolis)
Minneapolis has enacted one of the strongest tenant protections for foreclosed properties in the country. Tenants in foreclosed properties have the right to remain through the end of their lease term, and the new owner (even post-auction) must provide 90-day notice before any no-cause termination.
Ramsey County (St. Paul)
St. Paul's Rent Stabilization Ordinance (passed 2021, effective 2022) limits rent increases to 3% annually regardless of tenancy changes. Buyers of tenant-occupied foreclosures in St. Paul inherit rent-stabilized tenancies and cannot reset rents to market rate on turnover.
Bidding on a Minnesota foreclosure?
Get a TitlePin report before the auction — identify recorded liens, judgments, and title risks, typically in under 1 minute.
Search a Property →