148 Cobblestone Ln, Winona, MN 55987 Property Records

Winona County property record for 148 Cobblestone Ln, Winona, MN 55987

Property Summary

Property Type	Single Family Home
Details	5 bd · 3 ba · 1,882 sqft · built 2011
Lot Size	0.458 acres (19,950 sqft)
Owner	2 Individual Names on Record
Tax Bill	$8,136 (2026)
Deeds & Mortgages	May 2026 Line of Credit Aug 2020 Mortgage + 1 more
APN	`32.076.0090`

Property Details

APN / Parcel Number

Primary APN	`32.076.0090`

Interior

Bedrooms	5 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	1,882 sqft Living Area
1st Floor Area	1,882 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2011
Effective Year Built	Effective 2014
Architectural Style	Ranch
Exterior Material	Fiber Cement Siding
Construction Type	Concrete
Roof Type	Gable
Roof Material	Asphalt
Lot Area	19,950 sqft (0.458 acres)
Lot Dimensions	18 ft deep x 11.1 ft wide
Garage Area	864 sqft
Porch	Open Porch
Porch Area	382 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	148 COBBLESTONE LN
City	WINONA
State	MN
Zip	55987-4851
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SECT-13 TWP-106 RANGE-007 COBBLESTONE CREEK LOT-001 BLOCK-005
Legal Range	007
Legal Township	106
Legal Section	13
Legal Subdivision	COBBLESTONE CREEK
Legal Block	5
Legal Lot Number	1
Jurisdiction	WINONA MN
Township / Civil Division	WINONA
Census Block Group	4
Census Block	4036
Census Tract	670802

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	2 Individual Names on Record
Mailing Address	148 COBBLESTONE LN, WINONA, MN 55987-4851
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 8, 2026	Deed of Trust, Mortgage · Line of Credit MERCHANTS BANK
Aug 18, 2020	Deed of Trust, Mortgage · Conventional Mortgage MERCHANTS BANK NA
Nov 28, 2018	Deed of Trust, Mortgage · Line of Credit MERCHANTS BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Oct 29, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINONA MN
Recording Date	May 8, 2026
Property Address	148 COBBLESTONE LN, WINONA, MN 55987-4851
Document Number	0000666248
Instrument Date	May 5, 2026
Instrument	2026666248
Transaction Type	Mortgage
Record Updated	Jul 17, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	148 COBBLESTONE LN, WINONA, MN 55987-4851

Mortgage

Document Number	0000666248,
Date	May 8, 2026
Instrument	2026666248

Lender

Name	MERCHANTS BANK

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	May 9, 2056

Interest

Rate Type	Adjustable Rate
Rate	6.37%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINONA MN
Property Address	148 COBBLESTONE LN, WINONA, MN 55987-4851
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	626720
Date	Aug 18, 2020
Instrument	626720

Lender

Name	MERCHANTS BANK NA
Type	Bank
Address	WINONA, MN 55987

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Sep 1, 2040

November 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINONA MN
Property Address	148 COBBLESTONE LN, WINONA, MN 55987-4851
Transaction Type	Mortgage
Record Updated	Dec 21, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	613954
Date	Nov 28, 2018
Instrument	613954

Lender

Name	MERCHANTS BANK NA
Type	Bank
Address	WINONA, MN 55987

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Nov 23, 2048

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	$8,136.00 (+30.43%)	$691,900 (+6.35%) Land $157,900 Building $534,000	$691,900 (+6.35%) Land $157,900 Building $534,000
2025		$650,600 (+8.38%) Land $157,900 Building $492,700	$650,600 (+8.38%) Land $157,900 Building $492,700
2023	$6,238.00 Homeowner's exemption	$600,300 Land $149,000 Building $451,300	$600,300 Land $149,000 Building $451,300

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 80% of the US · lower than 60% of Minnesota
Wildfire Likelihood	0.01% annual chance
Exposure	Direct burnable vegetation

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

Provider	Max Down / Up (Mbps)
Hiawatha Broadband Communications Fiber · Cable in parts of the area	5,000 / 5,000
Spectrum Cable	1,000 / 35

Cell Coverage

5G and 4G LTE (outdoors only)

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