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.
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