165 E Howard St, Winona, MN 55987 Property Records

Winona County property record for 165 E Howard St, Winona, MN 55987

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,336 sqft · built 1898
Lot Size	0.165 acres (7,187 sqft)
Owner	2 Individual Names on Record
Tax Bill	$28 (2025)
Deeds & Mortgages	Jan 2022 Mortgage Jul 2019 Mortgage
APN	`32.235.0230`

Property Details

APN / Parcel Number

Primary APN	`32.235.0230`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,336 sqft Living Area
1st Floor Area	352 sqft
Basement Area	320 sqft
Unfinished Basement	320 sqft
Flooring	Carpet
Interior Walls	Plaster

Exterior

Year Built	Built 1898
Effective Year Built	Effective 1991
Exterior Material	Metal
Construction Type	Metal Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	7,187 sqft (0.165 acres)
Lot Dimensions	140 ft deep x 55 ft wide
Garage Type	Mixed
Garage Area	640 sqft
Porch	Porch
Porch Area	96 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Electric

Location & Zoning

Street Address	165 E HOWARD ST
City	WINONA
State	MN
Zip	55987-3643
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SECT-26 TWP-107 RANGE-007 HOWARD STREET LIMITS LOT-051 50.55' X 140.88' IN LOTS 51 & 52 DREW MEAD & SIMPSONS ADD
Legal Range	007
Legal Township	107
Legal Section	26
Legal Subdivision	DREW MEAD & SIMPSON
Legal Lot Number	50-52
Jurisdiction	WINONA MN
Township / Civil Division	WINONA
Census Block Group	3
Census Block	3007
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	2 Individual Names on Record
Mailing Address	165 E HOWARD ST, WINONA, MN 55987-3643
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Jan 10, 2022	Deed of Trust, Mortgage · VA Mortgage ALTRA FCU
Jul 15, 2019	Deed of Trust, Mortgage · VA Mortgage ALTRA FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Feb 4, 2025
Transfer Doc	000A658947
Record Updated	Oct 29, 2026

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINONA MN
Property Address	165 E HOWARD ST, WINONA, MN 55987-3643
Transaction Type	Mortgage
Record Updated	Jan 25, 2022
Title Company	MN SECURED TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000A640117
Date	Jan 10, 2022
Instrument	A640117

Lender

Name	ALTRA FCU
Type	Credit Union
Address	ONALASKA, WI 54650

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2052

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINONA MN
Property Address	165 E HOWARD ST, WINONA, MN 55987-3643
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	618000
Date	Jul 15, 2019
Instrument	618000

Lender

Name	ALTRA FCU
Type	Credit Union
Address	ONALASKA, WI 54650

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2049

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		$238,900 (+13.87%) Land $41,200 Building $197,700	$238,900 (+13.87%) Land $41,200 Building $197,700
2025	$28.00 (-93.33%)	$209,800 (+5.37%) Land $41,200 Building $168,600	$209,800 (+5.37%) Land $41,200 Building $168,600
2023	$420.00 Homeowner's exemption	$199,100 Land $39,400 Building $159,700	$199,100 Land $39,400 Building $159,700

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 94% of the US · lower than 82% 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 770 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
AT&T Fixed Wireless	100 / 20

May also be available: GigFire, Hiawatha Broadband Communications, Verizon.

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