181 E Howard St, Winona, MN 55987 Property Records

Winona County property record for 181 E Howard St, Winona, MN 55987

Property Summary

Property Type	Multi-Family Dwellings
Details	5 bd · 3 ba · 2,094 sqft · built 1900
Lot Size	0.128 acres (5,576 sqft)
Owner	Company Name on Record
Last Sale	$195,000 (Mar 2025)
Tax Bill	$3,056 (2026)
Deeds & Mortgages	Jan 2022 Mortgage Nov 2021 Sale + 2 more
APN	`32.235.0220`

Property Details

APN / Parcel Number

Primary APN	`32.235.0220`

Interior

Bedrooms	5 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	2,094 sqft Total Area
1st Floor Area	862 sqft
Flooring	Carpet
Interior Walls	Plaster

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1988
Architectural Style	Multi-Family
Exterior Material	Vinyl
Fire Resistance	Fireproof Reinforced Concrete
Roof Type	Gable
Roof Material	Asphalt
Lot Area	5,576 sqft (0.128 acres)
Lot Dimensions	140 ft deep x 40 ft wide

Utilities, Heating & Cooling

Cooling System	None
Heating System	Forced Air with A/C

Location & Zoning

Street Address	181 E HOWARD ST
City	WINONA
State	MN
Zip	55987-3643
Property Category	Residential
Property Type	Residential > Multi-Unit > Multi-Family Dwellings
Legal Description	SECT-26 TWP-107 RANGE-007 HOWARD STREET LIMITS LOT-051 PT OF N 1/2 OF LOT
Legal Range	007
Legal Township	107
Legal Section	26
Legal Subdivision	HOWARD STREET LIMITS
Legal Lot Number	51
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 11, 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	1397 CRESTVIEW DR, WINONA, MN 55987-5326
Owner Type	Company
Vesting	Limited Liability Partnership

Deeds, Mortgages & Sale History

Date	Document
Jan 18, 2022	Deed of Trust, Mortgage · Commercial Mortgage OAKWOOD BANK
Nov 23, 2021	Warranty Deed, Transfer RIVER VALLEY TITLE GROUP LLC
Dec 2, 2021	Land Contract, Transfer · Land Contract NOT AVAILABLE
Mar 22, 2019	Warranty Deed, Transfer · Conventional Mortgage ALTRA FCU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 27, 2025 · Amount on Record
Deed Sale	Mar 27, 2025 · Amount on Record
Prior Sale	Dec 2, 2021 · Amount on Record
Deed Document Number	2025659744
Prior Transfer Date	Jan 5, 2015
Prior Transfer Doc	A586041
Record Updated	Oct 29, 2026

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINONA MN
Property Address	181 E HOWARD ST, WINONA, MN 55987-3643
Transaction Type	Mortgage
Record Updated	Aug 22, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000A640249
Date	Jan 18, 2022
Instrument	A640249

Lender

Name	OAKWOOD BANK
Type	Bank
Address	WHITEHALL, WI 54773

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

November 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WINONA MN
Recording Date	Nov 23, 2021
Property Address	181 E HOWARD ST, WINONA, MN 55987-3643
Document Number	638861
Instrument Date	Nov 19, 2021
Instrument	638861
Transaction Type	Transfer
Record Updated	Dec 10, 2021
Title Company	RIVER VALLEY TITLE GROUP LLC

Transaction

Amount	Amount Recorded
Tax	$594.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 125, WINONA, MN 55987-0125

December 2021: Land Contract, Transfer

Document Type	Land Contract
Jurisdiction	WINONA MN
Recording Date	Dec 2, 2021
Property Address	181 E HOWARD ST, WINONA, MN 55987-3643
Document Number	0000639100
Instrument Date	Nov 19, 2021
Instrument	639100
Transaction Type	Transfer
Record Updated	Dec 20, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1397 CRESTVIEW DR, WINONA, MN 55987-5326

Mortgage

Date	Dec 2, 2021

Lender

Name	NOT AVAILABLE

Agreement

Type	Land Contract
Amount	Amount Recorded
Term	35 Months
Due	Nov 19, 2024

Interest

Rate	5%

March 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WINONA MN
Recording Date	Mar 22, 2019
Property Address	181 E HOWARD ST, WINONA, MN 55987-3643
Document Number	615782
Instrument Date	Mar 19, 2019
Instrument	615782
Transaction Type	Transfer
Record Updated	Jul 5, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$588.72
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	181 E HOWARD ST, WINONA, MN 55987-3643

Mortgage

Document Number	615783
Date	Mar 22, 2019
Instrument	615783

Lender

Name	ALTRA FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 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	$3,056.00 (+27.02%)	$253,800 (+22.2%) Land $34,000 Building $219,800	$253,800 (+22.2%) Land $34,000 Building $219,800
2025		$207,700 (+10.19%) Land $34,000 Building $173,700	$207,700 (+10.19%) Land $34,000 Building $173,700
2023	$2,406.00	$188,500 Land $32,700 Building $155,800	$188,500 Land $32,700 Building $155,800

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

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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