109 Schultz Rd, Utica, MN 55979 Property Records

Winona County property record for 109 Schultz Rd, Utica, MN 55979

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,338 sqft · built 2004
Lot Size	0.173 acres (7,536 sqft)
Owner	2 Individual Names on Record
Tax Bill	$1,806 (2026)
Deeds & Mortgages	Dec 2022 Line of Credit Sep 2018 Line of Credit
APN	`31.060.0020`

Property Details

APN / Parcel Number

Primary APN	`31.060.0020`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Building Area	1,338 sqft Living Area
1st Floor Area	1,338 sqft
Basement Area	1,338 sqft
Unfinished Basement	1,338 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2007
Architectural Style	Ranch
Exterior Material	Vinyl
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Asphalt
Lot Area	7,536 sqft (0.173 acres)
Lot Dimensions	9 ft deep x 8.4 ft wide
Garage Area	690 sqft
Patio Area	286 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	109 SCHULTZ RD
City	UTICA
State	MN
Zip	55979-8717
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SECT-18 TWP-106 RANGE-009 S & S PROPERTIES FIRST ADD LOT-002 BLOCK-001
Legal Range	009
Legal Township	106
Legal Section	18
Legal Subdivision	S & S PROPERTIES FIRST ADD
Legal Block	1
Legal Lot Number	2
Jurisdiction	WINONA MN
Township / Civil Division	UTICA
Census Block Group	2
Census Block	2010
Census Tract	670900

Owner

Source: Winona County records, as of September 28, 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	109 SCHULTZ RD, UTICA, MN 55979-8717
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 21, 2022	Deed of Trust, Mortgage · Line of Credit AMERANT BANK NA
Sep 7, 2018	Deed of Trust, Mortgage · Line of Credit MERCHANTS BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Jun 24, 2024
Transfer Doc	0000655382
Record Updated	Oct 29, 2026

December 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINONA MN
Property Address	109 SCHULTZ RD, UTICA, MN 55979-8717
Transaction Type	Mortgage
Record Updated	Jan 6, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	109 SCHULTZ RD, UTICA, MN 55979-8717

Mortgage

Document Number	000A646829
Date	Dec 21, 2022
Instrument	A646829

Lender

Name	AMERANT BANK NA
Type	Bank
Address	SAINT CHARLES, MN 55972

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Dec 13, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINONA MN
Property Address	109 SCHULTZ RD, UTICA, MN 55979-8717
Transaction Type	Mortgage
Record Updated	Jun 22, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	612340
Date	Sep 7, 2018
Instrument	612340

Lender

Name	MERCHANTS BANK
Type	Bank
Address	SAINT CHARLES, MN 55972

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	359 Months
Due	Aug 18, 2048

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Minnesota
County	Winona County
Municipality	Utica City
Unified School District	St. Charles Public School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$1,806.00 (+11.34%) Homeowner's exemption	$232,500 (+12.75%) Land $26,400 Building $206,100	$232,500 (+12.75%) Land $26,400 Building $206,100
2025		$206,200 (+7.96%) Land $26,400 Building $179,800	$206,200 (+7.96%) Land $26,400 Building $179,800
2023	$1,622.00 Homeowner's exemption	$191,000 Land $26,400 Building $164,600	$191,000 Land $26,400 Building $164,600

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 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Not on file
Nearby Flood Policies	3 in force

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; 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 93% of the US · lower than 78% of Minnesota
Wildfire Likelihood	Under 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	Utica serves 293 people · EPA ID MN1850011
Water Source	Groundwater
Last State Inspection	Apr 2025
Lead	1 ppb (2021–2023) action level 15 ppb

Violations Reported to EPA

Water Quality	Nitrate resolved · Jul 2020
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 117 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Hiawatha Broadband Communications Fiber	5,000 / 5,000
GigFire Fixed Wireless	150 / 130

Cell Coverage

5G (outdoors only) and 4G LTE

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