1720 Smith Ave, Owatonna, MN 55060 Property Records

Steele County property record for 1720 Smith Ave, Owatonna, MN 55060

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,352 sqft · built 1994
Lot Size	0.274 acres (11,935 sqft)
Owner	Company Name on Record
Last Sale	$315,000 (Sep 2026)
Tax Bill	$4,166 (2026)
Deeds & Mortgages	Sep 2026 Sale Feb 2026 Line of Credit + 4 more
Flood Zone	Zone X (minimal risk)
APN	`17-453-0205`

Property Details

APN / Parcel Number

Primary APN	`17-453-0205`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	11 Rooms
Stories	1 Story
Building Area	2,352 sqft Finished Area
Basement Area	1,008 sqft
Finished Basement	1,008 sqft
Unfinished Basement	1,008 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1994
Effective Year Built	Effective 1994
Exterior Material	Aluminum/Vinyl
Foundation Type	Block
Roof Type	Gable
Roof Material	Asphalt
Lot Area	11,935 sqft (0.274 acres)
Garage Type	Attached
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	1720 SMITH AVE
City	OWATONNA
State	MN
Zip	55060-4651
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	WINTERSET BLK 2 LOT 5 WINTERSET ADDN
Legal Section	TW
Legal Subdivision	WINTERSET
Legal Block	2
Legal Lot Number	5
Jurisdiction	STEELE MN
Township / Civil Division	OWATONNA
Census Block Group	4
Census Block	4028
Census Tract	960700

Owner

Source: Steele County records, as of October 20, 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	3000 18TH ST, SPIRIT LAKE, IA 51360-7471
Occupancy	Owner Occupied
Owner Type	Company

Deeds, Mortgages & Sale History

Date	Document
Sep 24, 2026	Deed, Transfer
Feb 25, 2026	Deed of Trust, Mortgage · Line of Credit KEEN BANK NA
Jul 6, 2021	Deed of Trust, Mortgage · Conventional Mortgage DISCOVER BANK
Nov 18, 2020	Deed of Trust, Mortgage · Conventional Mortgage FIGURE LENDING LLC
Jun 25, 2020	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS INC
Mar 7, 2018	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 24, 2026 · Amount on Record
Deed Sale	Sep 24, 2026 · Amount on Record
Deed Document Number	20261924629
Record Updated	Oct 29, 2026

September 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	STEELE MN
Recording Date	Sep 24, 2026
Property Address	1720 SMITH AVE, OWATONNA, MN 55060-4651
Document Number	0001924629
Instrument Date	Sep 24, 2026
Instrument	20261924629
Transaction Type	Transfer
Record Updated	Oct 6, 2026

Transaction

Amount	Amount Recorded
Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3000 18TH ST, SPIRIT LAKE, IA 51360-7471

February 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STEELE MN
Property Address	1720 SMITH AVE, OWATONNA, MN 55060-4651
Transaction Type	Mortgage
Record Updated	Mar 18, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	A000460392
Date	Feb 25, 2026
Instrument	A000460392

Lender

Name	KEEN BANK NA
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	12 Months
Due	Feb 26, 2027

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STEELE MN
Property Address	1720 SMITH AVE, OWATONNA, MN 55060-4651
Transaction Type	Mortgage
Record Updated	Jul 28, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	A000437218
Date	Jul 6, 2021
Instrument	A000437218

Lender

Name	DISCOVER BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jul 6, 2036

Interest

Rate Type	Fixed Rate

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STEELE MN
Property Address	1720 SMITH AVE, OWATONNA, MN 55060-4651
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	A000432721
Date	Nov 18, 2020
Instrument	A000432721

Lender

Name	FIGURE LENDING LLC
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STEELE MN
Property Address	1720 SMITH AVE, OWATONNA, MN 55060-4651
Transaction Type	Mortgage
Record Updated	Aug 4, 2020

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	A000429860
Date	Jun 25, 2020
Instrument	A000429860

Lender

Name	QUICKEN LOANS INC
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jul 1, 2035

Interest

Rate Type	Fixed Rate

March 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STEELE MN
Property Address	1720 SMITH AVE, OWATONNA, MN 55060-4651
Transaction Type	Mortgage
Record Updated	Apr 4, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	A000417214
Date	Mar 7, 2018
Instrument	A000417214

Lender

Name	QUICKEN LOANS INC
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Mar 1, 2033

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

Source: Steele County assessment roll, as of October 1, 2026

Property Jurisdictions

Type	Name
State	Minnesota
County	Steele County
Municipality	Owatonna City
Unified School District	Owatonna Public School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$4,166.00 (+2.61%) Homeowner's exemption	$313,200 (+6.89%) Land $49,200 Building $264,000	$313,200 (+6.89%) Land $49,200 Building $264,000
2025	$4,060.00 (+0.1%) Homeowner's exemption	$293,000 (+5.06%) Land $49,500 Building $243,500	$293,000 (+5.06%) Land $49,500 Building $243,500
2023	$4,056.00 Homeowner's exemption	$278,900 Land $42,800 Building $236,100	$278,900 Land $42,800 Building $236,100

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, effective November 11, 2014 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	2 in force
Nearby Flood Claims	1 (2007)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Aug 2007 · Severe Storms And Flooding

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 98% of the US · lower than 92% 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	Owatonna serves 26,430 people · EPA ID MN1740007
Water Source	Groundwater
Last State Inspection	Dec 2025
Lead	2 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
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 488 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Metronet Fiber	5,120 / 5,120
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
GigFire Fixed Wireless	150 / 130
Midco Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T, Minnesota WiFi.

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