If you find it, please let me know.
It summarizes long posts that I've made here and in the past in just a few short words.
Can a person be saved and go to heaven without baptism? First, let us remember that it is God's command that all believers be baptized. That is what should happen, if at all possible. However, if a person believes and has the desire to be baptized, but would die before being baptized, in the mercy of God, we believe that he/she would be saved. Dr. Walter Albrecht, Professor of Dogmatics at Concordia Theological Seminary, Springfield IL, in his 1951 lectures on Francis Pieper's, "Christian Dogmatics," stated, "It is not the absence of Baptism that damns, but the willful rejection of Baptism." This statement is consistent with Jesus words in Mark 16:16, "Whoever believes and is baptized will be saved, but whoever does not believe will be condemned." Clearly it is not believing or the lack of faith that brings God's condemnation.
(emphasis mine). Source: Lutheran Hour Ministries.