113 Chestnut St, Winona, MN 55987 Property Records

Winona County property record for 113 Chestnut St, Winona, MN 55987

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 840 sqft · built 1951
Lot Size	0.063 acres (2,744 sqft)
Owner	Individual Name on File
Last Sale	$151,000 (Mar 2023)
Tax Bill	$1,226 (2026)
Deeds & Mortgages	Apr 2023 Mortgage Mar 2023 Sale & Mortgage + 2 more
APN	`32.300.0270`

Property Details

APN / Parcel Number

Primary APN	`32.300.0270`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Half Baths	1 Half Bath
Stories	1 Story
Building Area	840 sqft Living Area
1st Floor Area	840 sqft
Flooring	Wood
Interior Walls	Plaster

Exterior

Year Built	Built 1951
Effective Year Built	Effective 1991
Architectural Style	Ranch
Exterior Material	Metal
Construction Type	Metal Frame
Roof Type	Hip
Roof Material	Asphalt
Lot Area	2,744 sqft (0.063 acres)
Lot Dimensions	55 ft deep x 50 ft wide
Garage Type	Detached
Garage Area	200 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	113 CHESTNUT ST
City	WINONA
State	MN
Zip	55987-3963
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SECT-23 TWP-107 RANGE-007 LAIRDS ADDITION LOT-001 BLOCK-007 SLY 50' LOT 1 & SLY 50' OF ELY 5' LOT 2
Legal Range	007
Legal Township	107
Legal Section	23
Legal Subdivision	LAIRDS ADDITION
Legal Block	7
Legal Lot Number	1-2
Jurisdiction	WINONA MN
Township / Civil Division	WINONA
Census Block Group	4
Census Block	4021
Census Tract	670600

Owner

113 Chestnut St is owned and occupied by an individual who bought it in March 2023.

Source: Winona County records, as of September 4, 2026

Owner of Record	Individual Name on File
Mailing Address	113 CHESTNUT ST, WINONA, MN 55987-3963
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Apr 5, 2023	Deed of Trust, Mortgage · Conventional Mortgage MERCHANTS BANK NA
Mar 7, 2023	Warranty Deed, Transfer · Conventional Mortgage MERCHANTS BANK NA
Jun 27, 2018	Personal Representative Deed, Transfer · ARM ALTRA FCU
Oct 20, 2017	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 7, 2023 · Amount on File
Deed Sale	Mar 7, 2023 · Amount on File
Prior Sale	Jun 27, 2018 · Amount on File
Deed Document Number	2023647798
Record Updated	Oct 29, 2026

April 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINONA MN
Property Address	113 CHESTNUT ST, WINONA, MN 55987-3963
Transaction Type	Mortgage
Record Updated	Apr 25, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000A648221
Date	Apr 5, 2023
Instrument	A648221

Lender

Name	MERCHANTS BANK NA
Type	Bank
Address	WINONA, MN 55987

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	5.4%
Type Change Date	Apr 1, 2030
Change Frequency	Annually
Min Rate At Change	4%
Max Rate At Change	7.4%
Index	1-Year T-Bill
Max Rate	11.4%

March 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WINONA MN
Recording Date	Mar 7, 2023
Property Address	113 CHESTNUT ST, WINONA, MN 55987-3963
Document Number	000A647798
Instrument Date	Feb 23, 2023
Instrument	A647798
Transaction Type	Transfer
Record Updated	Mar 24, 2023

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$498.30
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	113 CHESTNUT ST, WINONA, MN 55987-3963

Mortgage

Document Number	000A647799
Date	Mar 7, 2023
Instrument	A647799

Lender

Name	MERCHANTS BANK NA
Type	Bank
Address	WINONA, MN 55987

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	5.4%
Type Change Date	Apr 1, 2030
Change Frequency	Annually
Min Rate At Change	4%
Max Rate At Change	7.4%
Index	1-Year T-Bill
Max Rate	11.4%

June 2018: Personal Representative Deed, Transfer

Document Type	Personal Representative Deed
Jurisdiction	WINONA MN
Recording Date	Jun 27, 2018
Property Address	113 CHESTNUT ST, WINONA, MN 55987-3963
Document Number	610938
Instrument Date	Jun 22, 2018
Instrument	610938
Transaction Type	Transfer
Record Updated	Jun 22, 2021
Title Company	MN SECURED TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$311.85
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	113 CHESTNUT ST, WINONA, MN 55987-3963

Mortgage

Document Number	610939
Date	Jun 27, 2018
Instrument	610939

Lender

Name	ALTRA FCU
Type	Credit Union

Agreement

Type	ARM
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2048

Interest

Rate Type	Adjustable Rate
Rate	4.75%
Type Change Date	Jul 1, 2025
Change Frequency	Annually
Min Rate At Change	2.75%
Max Rate At Change	6.75%
Index	1-Year CMT
Max Rate	10.7%

October 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WINONA MN
Recording Date	Oct 20, 2017
Property Address	113 CHESTNUT ST, WINONA, MN 55987-3963
Document Number	606245
Instrument Date	Oct 18, 2017
Instrument	606245
Transaction Type	Transfer
Record Updated	Jun 22, 2021

Transaction

Amount	Amount on Record
Tax	$290.40
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	113 CHESTNUT ST, WINONA, MN 55987-3963

Tax Assessment & Valuation

The 2026 property tax bill for 113 Chestnut St was $1,226 with a homeowner's exemption.

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	$1,226.00 Homeowner's exemption	$158,400 (+19.91%) Land $24,000 Building $134,400	$158,400 (+19.91%) Land $24,000 Building $134,400
2025		$132,100 Land $24,000 Building $108,100	$132,100 Land $24,000 Building $108,100
2023	$986.00 Homeowner's exemption	$124,900 Land $23,100 Building $101,800	$124,900 Land $23,100 Building $101,800

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

Flood

FEMA has no flood map on file for 113 Chestnut St.

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

The area around 113 Chestnut St has no burnable land within ember reach, so its wildfire risk is not rated.

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

Wildfire Risk	Not rated no burnable land within 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 322 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, Fixed Wireless in parts of the area	1,000 / 30
AT&T Fixed Wireless	100 / 20

May also be available: GigFire, Verizon.

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