120 E Main St, Utica, MN 55979 Property Records

Winona County property record for 120 E Main St, Utica, MN 55979

Property Summary

Property Type	Single Family Home
Details	5 bd · 2 ba · 3,600 sqft · built 1952
Lot Size	0.22 acres (9,583 sqft)
Owner	Individual Name on Record
Tax Bill	$1,758 (2026)
Deeds & Mortgages	May 2026 Mortgage
APN	`31.000.1090`

Property Details

APN / Parcel Number

Primary APN	`31.000.1090`

Interior

Bedrooms	5 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	3,600 sqft Living Area
1st Floor Area	1,800 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1952
Effective Year Built	Effective 1988
Exterior Material	Concrete Block
Construction Type	Concrete Block
Roof Type	Gable
Roof Material	Galvanized Metal
Lot Area	9,583 sqft (0.22 acres)
Lot Dimensions	160 ft deep x 60 ft wide
Garage Type	Detached
Garage Area	480 sqft

Utilities, Heating & Cooling

Cooling System	None
Heating System	Forced Air with A/C

Location & Zoning

Street Address	120 E MAIN ST
City	UTICA
State	MN
Zip	55979-8721
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SECT-19 TWP-106 RANGE-009 ORIGINAL PLAT UTICA LOT-003 BLOCK-003 ORIGINAL PLAT
Legal Range	009
Legal Township	106
Legal Section	19
Legal Subdivision	ORIGINAL PLAT
Legal Block	3
Legal Lot Number	3
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 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	PO BOX 1172, WINONA, MN 55987-7172
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Oct 29, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINONA MN
Recording Date	May 12, 2026
Property Address	120 E MAIN ST, UTICA, MN 55979-8721
Document Number	0000666415
Instrument Date	May 5, 2026
Instrument	2026666415
Transaction Type	Mortgage
Record Updated	Jul 22, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	0000666415,
Date	May 12, 2026
Instrument	2026666415

Lender

Name	MERCHANTS BANK

Agreement

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

Interest

Rate	6.37%
Max Rate	-1%

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	$1,758.00 (+2.81%)	$172,400 (-2.32%) Land $26,000 Building $146,400	$172,400 (-2.32%) Land $26,000 Building $146,400
2025		$176,500 (+5.12%) Land $26,000 Building $150,500	$176,500 (+5.12%) Land $26,000 Building $150,500
2023	$1,710.00	$167,900 Land $25,500 Building $142,400	$167,900 Land $25,500 Building $142,400

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	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

Nearby Properties on E Main St

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