GLENS FALLS -- The Smith Flats Office Center on Bay Street is the latest building affiliated with Sophie Cefalu and her son, developer Charles Cefalu, to be hit with foreclosure.

SEFCU, formerly called the State Employees Federal Credit Union, is seeking payment on $1.08 million in mortgages for commercial and residential buildings in Glens Falls.

The bank’s lawsuits bring the number of foreclosure actions against various LLCs managed by Sophie Cefalu to 13 in the last year. All were pending in state Supreme Court in Warren County at last check.

Francis Smith, an Albany attorney representing SEFCU, said the properties involved in the most recent cases include the Smith Flats Office Center, 22 Broad St., 2-4 New Pryun St., 99-101 South St., and 12 Bacon St.

Smith Flats has been largely empty for some time, and has been targeted by the city for code violations.

Some of the other buildings have tenants, according to Smith.

The bank is asking to auction the properties. If the proceeds don’t satisfy the outstanding balance, the lawsuits ask that Sophie Cefalu and two other loan guarantors be responsible for the difference.

In addition to the lawsuits on investment properties, Sophie Cefalu is also facing foreclosure on her unit at the beleaguered Crandall Square Condominiums in Glens Falls.

Sovereign Bank initiated foreclosure proceedings in February, saying she defaulted on payments in late 2009 and owes about $251,000 on the unit.

Sophie Cefalu is one of six condo owners in the 20-unit building, which has not seen a sale since 2007.

Last spring, the bank that financed the condo project’s construction filed a $1.4 million foreclosure lawsuit against the investor group that owns the building. That group is also managed by Sophie Cefalu and affiliated with her son, Charles.

His real estate company, which is the listing agency for the units, had halted sales as of March following the cancellation of the building’s condominium insurance policy.

Sophie and Charles Cefalu did not return The Post-Star’s calls seeking comment on Thursday.

-- This story was updated at 7:20 p.m. to correct the location of the Smith Flats building to Bay Street.

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