130 E Main St, Utica, MN 55979 Property Records

Winona County property record for 130 E Main St, Utica, MN 55979

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,768 sqft · built 1920
Lot Size	0.404 acres (17,598 sqft)
Owner	2 Individual Names on Record
Tax Bill	$866 (2026)
Deeds & Mortgages	Sep 2017 Line of Credit Oct 2019 Transfer + 1 more
APN	`31.000.1100`

Property Details

APN / Parcel Number

Primary APN	`31.000.1100`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,768 sqft Living Area
1st Floor Area	384 sqft
Basement Area	1,216 sqft
Unfinished Basement	1,216 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1975
Architectural Style	Ranch
Exterior Material	Asbestos
Roof Type	Gable
Roof Material	Asphalt
Lot Area	17,598 sqft (0.404 acres)
Lot Dimensions	160 ft deep x 110 ft wide
Garage Type	Pole Building Garage
Garage Area	1,120 sqft
Porch	Porch
Porch Area	88 sqft
Patio Area	225 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	130 E MAIN ST
City	UTICA
State	MN
Zip	55979-8720
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SECT-19 TWP-106 RANGE-009 ORIGINAL PLAT UTICA LOT-004 BLOCK-003 ORIGINAL PLAT & W 50' LOT 5 & S 1/2 LOT 17 BLK 3
Legal Range	009
Legal Township	106
Legal Section	19
Legal Subdivision	ORIGINAL PLAT
Legal Block	3
Legal Lot Number	4-5,17
Jurisdiction	WINONA MN
Township / Civil Division	UTICA
Census Block Group	2
Census Block	2010
Census Tract	670900

Owner

Source: Winona County records, as of April 21, 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	PO BOX 276, UTICA, MN 55979-0276
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 11, 2017	Deed of Trust, Mortgage · Line of Credit MERCHANTS BANK
Oct 8, 2019	Intrafamily Transfer, Transfer
Apr 7, 2017	Quit Claim Deed, Transfer · ARM MERCHANTS BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Oct 4, 2019
Transfer Doc	619910
Record Updated	Jun 8, 2026

September 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINONA MN
Property Address	130 E MAIN ST, UTICA, MN 55979-8720
Transaction Type	Mortgage
Record Updated	Jun 22, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	605305
Date	Sep 11, 2017
Instrument	605305

Lender

Name	MERCHANTS BANK
Type	Bank
Address	SAINT CHARLES, MN 55972

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	359 Months
Due	Aug 4, 2047

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2019: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	WINONA MN
Recording Date	Oct 8, 2019
Property Address	130 E MAIN ST, UTICA, MN 55979-8720
Document Number	619910
Instrument Date	Oct 4, 2019
Instrument	619910
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
Relationship	Joint Tenants
Address	130 E MAIN ST, UTICA, MN 55979-8720

April 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WINONA MN
Recording Date	Apr 7, 2017
Property Address	130 E MAIN ST, UTICA, MN 55979-8720
Document Number	601998
Instrument Date	Mar 28, 2017
Instrument	601998
Transaction Type	Transfer
Record Updated	Jun 22, 2021

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	130 E MAIN ST, UTICA, MN 55979-8720

Mortgage

Document Number	601999
Date	Apr 7, 2017
Instrument	601999

Lender

Name	MERCHANTS BANK NA
Type	Bank

Agreement

Type	ARM
Amount	Amount Recorded
Term	360 Months
Due	Apr 1, 2047

Interest

Rate Type	Adjustable Rate
Rate	4.32%
Type Change Date	Apr 1, 2020
Change Frequency	Annually
Min Rate At Change	4%
Max Rate At Change	6.32%
Index	1-Year CMT
Max Rate	10.3%

Tax Assessment & Valuation

Source: Winona County assessment roll, as of August 5, 2025

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	$866.00 (-16.25%)
2025		$117,300 (+11.5%) Land $43,400 Building $73,900	$117,300 (+11.5%) Land $43,400 Building $73,900
2023	$1,034.00 Homeowner's exemption	$105,200 Land $43,400 Building $61,800	$105,200 Land $43,400 Building $61,800

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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