186 E Howard St, Winona, MN 55987 Property Records

Winona County property record for 186 E Howard St, Winona, MN 55987

Property Summary

Property Type	Multi-Family Dwellings
Details	8 bd · 2 ba · 1,658 sqft · built 1865
Lot Size	0.172 acres (7,492 sqft)
Owner	2 Individual Names on Record
Last Sale	$200,000 (Jul 2025)
Tax Bill	$1,488 (2026)
Deeds & Mortgages	Jun 2021 Sale & Mortgage
APN	`32.235.0070`

Property Details

APN / Parcel Number

Primary APN	`32.235.0070`

Interior

Bedrooms	8 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,658 sqft Total Area
1st Floor Area	841 sqft
Basement Area	396 sqft
Unfinished Basement	396 sqft
Flooring	Carpet
Interior Walls	Plaster

Exterior

Year Built	Built 1865
Effective Year Built	Effective 1988
Architectural Style	Multi-Family
Exterior Material	Other
Construction Type	Wood
Fire Resistance	Fireproof Reinforced Concrete
Foundation Type	Stone
Roof Type	Gable
Roof Material	Asphalt
Lot Area	7,492 sqft (0.172 acres)
Lot Dimensions	150 ft deep x 50 ft wide

Utilities, Heating & Cooling

Cooling System	None
Heating System	Forced Air with A/C

Location & Zoning

Street Address	186 E HOWARD ST
City	WINONA
State	MN
Zip	55987-3642
Property Category	Residential
Property Type	Residential > Multi-Unit > Multi-Family Dwellings
Legal Description	SECT-26 TWP-107 RANGE-007 HOWARD STREET LIMITS LOT-040 50' X 150'
Legal Range	007
Legal Township	107
Legal Section	26
Legal Subdivision	HOWARD STREET LIMITS
Legal Lot Number	40
Jurisdiction	WINONA MN
Township / Civil Division	WINONA
Census Block Group	3
Census Block	3005
Census Tract	670500

Owner

Source: Winona County records, as of October 9, 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	186 E HOWARD ST, WINONA, MN 55987-3642
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 25, 2025 · Amount on Record
Deed Sale	Jul 25, 2025 · Amount on Record
Prior Sale	Jun 9, 2021 · Amount on Record
Deed Document Number	2025661838
Record Updated	Oct 29, 2026

June 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WINONA MN
Recording Date	Jun 9, 2021
Property Address	186 E HOWARD ST, WINONA, MN 55987-3642
Document Number	634564
Instrument Date	Jun 7, 2021
Instrument	634564
Transaction Type	Transfer
Record Updated	Jul 5, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$544.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	1402 MCNALLY DR # E, E, WINONA, MN 55987-4875

Mortgage

Document Number	634565
Date	Jun 9, 2021
Instrument	634565

Lender

Name	MERCHANTS BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2051

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	$1,488.00 (-19.39%)	$191,600 (+27.31%) Land $41,600 Building $150,000	$191,600 (+27.31%) Land $41,600 Building $150,000
2025		$150,500 (+3.15%) Land $41,600 Building $108,900	$150,500 (+3.15%) Land $41,600 Building $108,900
2023	$1,846.00	$145,900 Land $40,000 Building $105,900	$145,900 Land $40,000 Building $105,900

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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