226 E Howard St, Winona, MN 55987 Property Records

Winona County property record for 226 E Howard St, Winona, MN 55987

Property Summary

Property Type	Single Family Home
Details	5 bd · 2 ba · 1,031 sqft · built 1900
Lot Size	0.136 acres (5,924 sqft)
Owner	Company Name on Record
Tax Bill	$2,426 (2026)
Deeds & Mortgages	Apr 2018 Line of Credit Sep 2018 Line of Credit
APN	`32.400.1540`

Property Details

APN / Parcel Number

Primary APN	`32.400.1540`

Interior

Bedrooms	5 Beds
Full Baths	2 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,031 sqft Living Area
1st Floor Area	570 sqft
Basement Area	678 sqft
Finished Basement	678 sqft
Flooring	Carpet
Interior Walls	Plaster

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1995
Exterior Material	Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	5,924 sqft (0.136 acres)
Lot Dimensions	85 ft deep x 70 ft wide
Garage Area	367 sqft
Porch	Open Porch
Porch Area	320 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	226 E HOWARD ST
City	WINONA
State	MN
Zip	55987-5514
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SECT-26 TWP-107 RANGE-007 PLUMERS ADDITION LOT-012 BLOCK-014 ELY 70' X 85' OF SUBD LOT 44 HOWARD ST
Legal Range	007
Legal Township	107
Legal Section	26
Legal Subdivision	PLUMERS ADDITION
Legal Block	14
Legal Lot Number	12,44
Jurisdiction	WINONA MN
Township / Civil Division	WINONA
Census Block Group	3
Census Block	3005
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	Company Name on Record
Mailing Address	19699 CALGARY TRL, FARMINGTON, MN 55024-1486
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
Apr 19, 2018	Deed of Trust, Mortgage · Line of Credit MERCHANTS BANK NA
Sep 19, 2018	Intrafamily Transfer, Transfer · Line of Credit MERCHANTS BANK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Sep 14, 2018
Transfer Doc	612612
Record Updated	Oct 29, 2026

April 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINONA MN
Property Address	226 E HOWARD ST, WINONA, MN 55987-5514
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	609514
Date	Apr 19, 2018
Instrument	609514

Lender

Name	MERCHANTS BANK NA
Type	Bank
Address	WINONA, MN 55987

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2018: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	WINONA MN
Recording Date	Sep 19, 2018
Property Address	226 E HOWARD ST, WINONA, MN 55987-5514
Document Number	612612
Instrument Date	Sep 14, 2018
Instrument	612612
Transaction Type	Transfer
Record Updated	Jun 22, 2021

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	19699 CALGARY TRL, FARMINGTON, MN 55024-1486
Mail Care Of	STEVEN L SPEER

Mortgage

Document Number	612613
Date	Sep 19, 2018
Instrument	612613

Lender

Name	MERCHANTS BANK NA
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Sep 15, 2038

Interest

Rate Type	Adjustable Rate

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	$2,426.00 (+24.92%)	$237,200 (+16.9%) Land $40,500 Building $196,700	$237,200 (+16.9%) Land $40,500 Building $196,700
2025		$202,900 (+7.98%) Land $40,500 Building $162,400	$202,900 (+7.98%) Land $40,500 Building $162,400
2023	$1,942.00	$187,900 Land $38,900 Building $149,000	$187,900 Land $38,900 Building $149,000

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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