120 E 2nd St, Winona, MN 55987 Property Records

Winona County property record for 120 E 2nd St, Winona, MN 55987

Property Summary

Property Type	Commercial
Details	16,900 sqft · built 1880
Lot Size	0.276 acres (12,023 sqft)
Owner	Company Name on Record
Last Sale	$3,150,000 (Jun 2022)
Tax Bill	$58,386 (2026)
Deeds & Mortgages	May 2026 Construction Loan Jun 2022 Line of Credit
APN	`32.000.0500`

Property Details

APN / Parcel Number

Primary APN	`32.000.0500`

Interior

Stories	2 Stories
Building Area	16,900 sqft Total Area
1st Floor Area	8,940 sqft
Flooring	Hardwood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1880
Effective Year Built	Effective 1999
Exterior Material	Brick Veneer
Construction Type	Brick
Fire Resistance	Wood or Wood & Steel Frame
Roof Type	Flat
Roof Material	Built-Up Asphalt
Lot Area	12,023 sqft (0.276 acres)
Lot Dimensions	8.7 ft deep x 10.3 ft wide
Total Buildings	2 Buildings

Location & Zoning

Street Address	120 E 2ND ST
City	WINONA
State	MN
Zip	55987-3410
Property Category	Commercial
Property Type	Commercial > Retail
Legal Description	SECT-23 TWP-107 RANGE-007 ORIGINAL PLAT LOT-008 BLOCK-011 ORIGINAL PLAT PAR IN LOTS 8, 9, & 10 COM 19' E OF SW COR LOT 8, N
Legal Range	007
Legal Township	107
Legal Section	23
Legal Subdivision	ORIGINAL PLAT
Legal Block	11
Legal Lot Number	7-10
Jurisdiction	WINONA MN
Township / Civil Division	WINONA
Census Block Group	1
Census Block	1027
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	Company Name on Record
Mailing Address	527 PROFESSIONAL DR, 100, NORTHFIELD, MN 55057-2767
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
May 20, 2026	Deed of Trust, Mortgage · Construction Mortgage MERCHANTS BANK
Jun 20, 2022	Re-recorded Document · Line of Credit MERCHANTS BANK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 20, 2022 · Amount on Record
Deed Sale	Jun 20, 2022 · Amount on Record
Deed Document Number	2022643528
Record Updated	Oct 29, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINONA MN
Recording Date	May 20, 2026
Property Address	120 E 2ND ST, WINONA, MN 55987-3410
Document Number	0000666678
Instrument Date	Apr 21, 2026
Instrument	2026666678
Transaction Type	Mortgage
Record Updated	Jul 24, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Limited Liability Partnership, 266

Mortgage

Document Number	0000666678,
Date	May 20, 2026
Instrument	2026666678

Lender

Name	MERCHANTS BANK

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	12 Months
Due	Apr 21, 2027

Interest

Rate Type	Adjustable Rate
Rate	6.38%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

June 2022: Re-recorded Document

Document Type	Re-recorded Document
Jurisdiction	WINONA MN
Recording Date	Jun 20, 2022
Property Address	120 E 2ND ST, WINONA, MN 55987-3410
Document Number	000A643528
Instrument Date	Jun 15, 2022
Instrument	A643528
Record Updated	Aug 29, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	527 PROFESSIONAL DR STE 100, 100, NORTHFIELD, MN 55057-2767

Mortgage

Document Number	000A643529
Date	Jun 20, 2022
Instrument	A643529

Lender

Name	MERCHANTS BANK NA
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Jun 15, 2032

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	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	$58,386.00 (+25.88%) Additional exemption filed	$2,756,300 (+28.57%) Land $191,600 Building $2,564,700	$2,756,300 (+28.57%) Land $191,600 Building $2,564,700
2025		$2,143,800 (+16.37%) Land $191,600 Building $1,952,200	$2,143,800 (+16.37%) Land $191,600 Building $1,952,200
2023	$46,384.00	$1,842,200 Land $180,800 Building $1,661,400	$1,842,200 Land $180,800 Building $1,661,400

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	1 in force
Nearby Flood Claims	1 (1980)
Most Recent Claim	Sep 1980 · rainfall accumulation

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	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 374 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	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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