107 E Howard St, Winona, MN 55987 Property Records

Winona County property record for 107 E Howard St, Winona, MN 55987

Property Summary

Property Type	Multi-Family Dwellings
Details	3 bd · 3 ba · 1,994 sqft · built 1886
Lot Size	0.16 acres (6,970 sqft)
Owner	2 Individual Names on Record
Last Sale	$205,000 (Nov 2022)
Tax Bill	$3,072 (2026)
Deeds & Mortgages	Sep 2026 Mortgage Nov 2022 Sale & Line of Credit + 1 more
APN	`32.480.0350`

Property Details

APN / Parcel Number

Primary APN	`32.480.0350`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	1,994 sqft Total Area
1st Floor Area	580 sqft
Flooring	Carpet
Interior Walls	Plaster

Exterior

Year Built	Built 1886
Effective Year Built	Effective 1988
Architectural Style	Multi-Family
Exterior Material	Brick
Construction Type	Brick
Fire Resistance	Fireproof Reinforced Concrete
Foundation Type	Stone
Roof Type	Gable
Roof Material	Asphalt
Lot Area	6,970 sqft (0.16 acres)
Lot Dimensions	140 ft deep x 50 ft wide
Garage Type	Detached
Garage Area	480 sqft
Deck Area	100 sqft

Utilities, Heating & Cooling

Cooling System	None
Heating System	Forced Air with A/C

Location & Zoning

Street Address	107 E 10TH ST
City	WINONA
State	MN
Zip	55987-3643
Property Category	Residential
Property Type	Residential > Multi-Unit > Multi-Family Dwellings
Legal Description	SECT-26 TWP-107 RANGE-007 SLACKS ADDITION LOT-002 BLOCK-004
Legal Range	007
Legal Township	107
Legal Section	26
Legal Subdivision	SLACKS ADDITION
Legal Block	4
Legal Lot Number	2
Jurisdiction	WINONA MN
Township / Civil Division	WINONA
Census Block Group	3
Census Block	3007
Census Tract	670500

Owner

Source: Winona County records, as of October 20, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	107 E 10TH ST, WINONA, MN 55987-3643
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 3, 2026	Deed of Trust, Mortgage · Conventional Mortgage MERCHANTS BANK
Nov 2, 2022	Warranty Deed, Transfer · Line of Credit MERCHANTS BANK NA
Mar 3, 2022	Warranty Deed, Transfer · Commercial Mortgage FIRST NATIONAL BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 2, 2022 · Amount on Record
Deed Sale	Nov 2, 2022 · Amount on Record
Prior Sale	Nov 1, 2022 · Amount on Record
Deed Document Number	2022646028
Record Updated	Oct 29, 2026

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINONA MN
Recording Date	Sep 3, 2026
Property Address	107 E 10TH ST, WINONA, MN 55987-3643
Document Number	0000668817
Instrument Date	Sep 1, 2026
Instrument	2026668817
Transaction Type	Mortgage
Record Updated	Oct 20, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000668817,
Date	Sep 3, 2026
Instrument	2026668817

Lender

Name	MERCHANTS BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	60 Months
Due	Aug 15, 2031

Interest

Max Rate	-1%

November 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WINONA MN
Recording Date	Nov 2, 2022
Property Address	107 E HOWARD ST, WINONA, MN 55987-3643
Document Number	000A646028
Instrument Date	Oct 25, 2022
Instrument	A646028
Transaction Type	Transfer
Record Updated	Nov 21, 2022
Title Company	NOT AVAILABLE, DOMA INS AGCY OF MN INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$676.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	107 E HOWARD ST, WINONA, MN 55987-3643

Mortgage

Document Number	000A646029
Date	Nov 2, 2022
Instrument	A646029

Lender

Name	MERCHANTS BANK NA
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Nov 1, 2042

March 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WINONA MN
Recording Date	Mar 3, 2022
Property Address	107 E HOWARD ST, WINONA, MN 55987-3643
Document Number	000A641206
Instrument Date	Feb 28, 2022
Instrument	A641206
Transaction Type	Transfer
Record Updated	Mar 21, 2022
Title Company	TOWN N COUNTRY TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$547.80
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4405 LANCASTER LN N, MAPLE GROVE, MN 55369

Mortgage

Document Number	000A641207
Date	Mar 3, 2022
Instrument	A641207

Lender

Name	FIRST NATIONAL BANK
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	300 Months
Due	Mar 10, 2047

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Winona County assessment roll, as of September 4, 2026

Property Jurisdictions

Type	Name
State	Minnesota
County	Winona County
Municipality	Winona City
Unified School District	Winona Area Public School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$3,072.00 (+20.94%)	$252,200 (+20.79%) Land $40,600 Building $211,600	$252,200 (+20.79%) Land $40,600 Building $211,600
2025		$208,800 (+4.82%) Land $40,600 Building $168,200	$208,800 (+4.82%) Land $40,600 Building $168,200
2023	$2,540.00	$199,200 Land $39,000 Building $160,200	$199,200 Land $39,000 Building $160,200

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer

FEMA Flood Zone	Not on file

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 99.1% of the US · lower than 96% of Minnesota
Wildfire Likelihood	0.01% annual chance
Exposure	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	Winona serves 27,782 people · EPA ID MN1850013
Water Source	Groundwater
Last State Inspection	Mar 2026
Lead	2 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	Radium resolved · Jul 2021
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 415 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Hiawatha Broadband Communications Cable · Fiber in parts of the area	1,000 / 30
Starlink Satellite	280 / 30
AT&T Fixed Wireless	100 / 20

May also be available: GigFire, Verizon.

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