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
State-specific articles coming soon — check back as our foreclosure title guide library grows.
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.
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