173 Cobblestone Ln, Winona, MN 55987 Property Records

Winona County property record for 173 Cobblestone Ln, Winona, MN 55987

Property Summary

Property Type	Single Family Home
Details	5 bd · 4 ba · 2,488 sqft · built 2014
Lot Size	0.301 acres (13,112 sqft)
Owner	2 Individual Names on Record
Tax Bill	$5,248 (2026)
Deeds & Mortgages	Oct 2019 Line of Credit Nov 2020 Line of Credit + 2 more
APN	`32.076.0120`

Property Details

APN / Parcel Number

Primary APN	`32.076.0120`

Interior

Bedrooms	5 Beds
Full Baths	4 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,488 sqft Living Area
1st Floor Area	884 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2014
Effective Year Built	Effective 2015
Exterior Material	Other
Construction Type	Concrete
Roof Type	Gable
Roof Material	Asphalt
Lot Area	13,112 sqft (0.301 acres)
Lot Dimensions	13 ft deep x 10.1 ft wide
Garage Area	1,140 sqft
Porch	Open Porch
Porch Area	196 sqft
Patio Area	252 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	173 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-002 BLOCK-006 LOTS 2 & 3
Legal Range	007
Legal Township	106
Legal Section	13
Legal Subdivision	COBBLESTONE CREEK
Legal Block	6
Legal Lot Number	2-3
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	173 COBBLESTONE LN, WINONA, MN 55987-4851
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 8, 2019	Deed of Trust, Mortgage · Line of Credit MERCHANTS BANK NA
Nov 5, 2020	Deed of Trust, Mortgage · Line of Credit MERCHANTS BANK NA
Oct 27, 2020	Deed of Trust, Mortgage · Conventional Mortgage MERCHANTS BANK NA
Oct 3, 2019	Deed of Trust, Mortgage · Conventional Mortgage MERCHANTS BANK NA

Assessor's Deed Record

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

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINONA MN
Property Address	173 COBBLESTONE LN, WINONA, MN 55987-4851
Transaction Type	Mortgage
Record Updated	Feb 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	619868
Date	Oct 8, 2019
Instrument	619868

Lender

Name	MERCHANTS BANK NA
Type	Bank
Address	WINONA, MN 55987

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	359 Months
Due	Sep 24, 2049

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINONA MN
Property Address	173 COBBLESTONE LN, WINONA, MN 55987-4851
Transaction Type	Mortgage
Record Updated	Feb 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	173 COBBLESTONE LN, GOODVIEW, MN 55987-4851

Mortgage

Document Number	628803
Date	Nov 5, 2020
Instrument	628803

Lender

Name	MERCHANTS BANK NA
Type	Bank
Address	WINONA, MN 55987

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Nov 4, 2050

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINONA MN
Property Address	173 COBBLESTONE LN, WINONA, MN 55987-4851
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	628544
Date	Oct 27, 2020
Instrument	628544

Lender

Name	MERCHANTS BANK NA
Type	Bank
Address	WINONA, MN 55987

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2050

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINONA MN
Property Address	173 COBBLESTONE LN, WINONA, MN 55987-4851
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	619818
Date	Oct 3, 2019
Instrument	619818

Lender

Name	MERCHANTS BANK NA
Type	Bank
Address	WINONA, MN 55987

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 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	$5,248.00 (+1,228.61%)	$750,600 (+6.63%) Land $229,000 Building $521,600	$750,600 (+6.63%) Land $229,000 Building $521,600
2025	$395.00 (-94.24%)	$703,900 (+7.5%) Land $229,000 Building $474,900	$703,900 (+7.5%) Land $229,000 Building $474,900
2023	$6,862.00 Homeowner's exemption	$654,800 Land $216,100 Building $438,700	$654,800 Land $216,100 Building $438,700

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 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)

Nearby Properties on Cobblestone Ln

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures