118 E Howard St, Winona, MN 55987 Property Records

Winona County property record for 118 E Howard St, Winona, MN 55987

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,089 sqft · built 1870
Lot Size	0.172 acres (7,492 sqft)
Owner	Individual Name on Record
Last Sale	$284,000 (Apr 2025)
Tax Bill	$1,722 (2026)
Deeds & Mortgages	Aug 2017 Mortgage Apr 2025 Sale & Mortgage + 1 more
APN	`32.480.0320`

Property Details

APN / Parcel Number

Primary APN	`32.480.0320`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,089 sqft Living Area
1st Floor Area	396 sqft
Flooring	Carpet
Interior Walls	Plaster

Exterior

Year Built	Built 1870
Effective Year Built	Effective 1985
Exterior Material	Metal
Construction Type	Metal Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	7,492 sqft (0.172 acres)
Lot Dimensions	150 ft deep x 50 ft wide
Garage Area	744 sqft
Porch	Porch
Porch Area	217 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	118 E HOWARD ST
City	WINONA
State	MN
Zip	55987-3642
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SECT-26 TWP-107 RANGE-007 SLACKS ADDITION LOT-011 BLOCK-003 & PART OF VACATED ALLEY BLK 3
Legal Range	007
Legal Township	107
Legal Section	26
Legal Subdivision	SLACKS ADDITION
Legal Block	3
Legal Lot Number	11
Jurisdiction	WINONA MN
Township / Civil Division	WINONA
Census Block Group	3
Census Block	3005
Census Tract	670500

Owner

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

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

Owner of Record	Individual Name on Record
Mailing Address	118 E HOWARD ST, WINONA, MN 55987-3642
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 25, 2017	Deed of Trust, Mortgage ALTRA FCU
Apr 3, 2025	Warranty Deed, Transfer · Conventional Mortgage SOFI BANK NA
Dec 8, 2017	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 3, 2025 · Amount on Record
Deed Sale	Apr 3, 2025 · Amount on Record
Prior Sale	Oct 4, 2024 · Amount on Record
Deed Document Number	2025659886
Prior Transfer Date	Oct 5, 2017
Prior Transfer Doc	607138
Record Updated	Oct 29, 2026

August 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINONA MN
Property Address	118 E HOWARD ST, WINONA, MN 55987-3642
Transaction Type	Mortgage
Record Updated	Oct 13, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000604978
Date	Aug 25, 2017
Instrument	604978

Lender

Name	ALTRA FCU
Type	Credit Union
Address	ONALASKA, WI 54650

Agreement

Amount	Amount Recorded
Term	120 Months
Due	Aug 25, 2027

April 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WINONA MN
Recording Date	Apr 3, 2025
Property Address	118 E HOWARD ST, WINONA, MN 55987-3642
Document Number	000A659886
Instrument Date	Mar 31, 2025
Instrument	A659886
Transaction Type	Transfer
Record Updated	Oct 13, 2025
Title Company	GCS TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$937.20
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	118 E HOWARD ST, WINONA, MN 55987-3642

Mortgage

Document Number	000A659887
Date	Apr 3, 2025
Instrument	A659887

Lender

Name	SOFI BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 1, 2055

December 2017: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	WINONA MN
Recording Date	Dec 8, 2017
Property Address	118 E HOWARD ST, WINONA, MN 55987-3642
Document Number	607138
Instrument Date	Oct 5, 2017
Instrument	607138
Transaction Type	Transfer
Record Updated	Jun 22, 2021

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	118 E HOWARD ST, WINONA, MN 55987-3642

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	$1,722.00 (+5.77%) Homeowner's exemption	$295,100 (+72.57%) Land $41,600 Building $253,500	$295,100 (+72.57%) Land $41,600 Building $253,500
2025		$171,000 (+4.33%) Land $41,600 Building $129,400	$171,000 (+4.33%) Land $41,600 Building $129,400
2024	$1,628.00 (+9.85%)
2023	$1,482.00 Homeowner's exemption	$163,900 Land $40,000 Building $123,900	$163,900 Land $40,000 Building $123,900

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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