227 E Howard St, Winona, MN 55987 Property Records

Winona County property record for 227 E Howard St, Winona, MN 55987

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 882 sqft · built 1886
Lot Size	0.138 acres (6,011 sqft)
Owner	2 Individual Names on Record
Last Sale	$85,109 (May 2026)
Tax Bill	$1,604 (2026)
Deeds & Mortgages	May 2026 Transfer May 2026 Sale + 2 more
APN	`32.235.0130`

Property Details

APN / Parcel Number

Primary APN	`32.235.0130`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	882 sqft Living Area
1st Floor Area	714 sqft
Basement Area	168 sqft
Unfinished Basement	168 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1886
Effective Year Built	Effective 1991
Architectural Style	Ranch
Exterior Material	Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	6,011 sqft (0.138 acres)
Lot Dimensions	140 ft deep x 43 ft wide
Garage Area	648 sqft
Deck Area	60 sqft

Utilities, Heating & Cooling

Cooling System	None
Heating System	Forced Air with A/C

Location & Zoning

Street Address	227 E HOWARD ST
City	WINONA
State	MN
Zip	55987-5529
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SECT-26 TWP-107 RANGE-007 HOWARD STREET LIMITS LOT-045 EX: ST LOT 45 & ELY 3.6' LOT 46
Legal Range	007
Legal Township	107
Legal Section	26
Legal Subdivision	HOWARD STREET LIMITS
Legal Lot Number	45-46
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 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	227 E 10TH ST, WINONA, MN 55987
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 13, 2026	Transfer on Death Deed, Transfer LEGAL TITLE, LEGAL & TITLE
May 5, 2026	Special Warranty Deed, Transfer SERVICELINK
Sep 22, 2022	Warranty Deed, Transfer · Conventional Mortgage MERCHANTS BANK NA
Feb 15, 2017	Deed of Trust, Mortgage · Line of Credit WINONA NATIONAL BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 5, 2026 · Amount on Record
Deed Sale	May 5, 2026 · Amount on Record
Prior Sale	Sep 22, 2022 · Amount on Record
Deed Document Number	2026666158
Last Transfer Date	May 7, 2026
Transfer Doc	0000666474
Record Updated	Oct 29, 2026

May 2026: Transfer on Death Deed, Transfer

Document Type	Transfer on Death Deed
Jurisdiction	WINONA MN
Recording Date	May 13, 2026
Property Address	227 E HOWARD ST, WINONA, MN 55987-5529
Document Number	0000666474
Instrument Date	May 7, 2026
Instrument	2026666474
Transaction Type	Transfer
Record Updated	Aug 28, 2026
Title Company	LEGAL TITLE, LEGAL & TITLE

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	17931 ARROWHEAD ST NW, ANDOVER, MN 55304-1308

May 2026: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	WINONA MN
Recording Date	May 5, 2026
Property Address	227 E HOWARD ST, WINONA, MN 55987-5529
Document Number	0000666158
Instrument Date	Apr 29, 2026
Instrument	2026666158
Transaction Type	Transfer
Record Updated	Jul 15, 2026
Title Company	SERVICELINK

Transaction

Amount	Amount Recorded
Tax	$28,366.86
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

September 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WINONA MN
Recording Date	Sep 22, 2022
Property Address	227 E HOWARD ST, WINONA, MN 55987-5529
Document Number	000A645361
Instrument Date	Sep 9, 2022
Instrument	A645361
Transaction Type	Transfer
Record Updated	Oct 13, 2022
Title Company	DOMA INS AGCY OF MN INC

Transaction

Amount	Amount Recorded
Tax	$495.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	227 E HOWARD ST # E, E, WINONA, MN 55987-5529

Mortgage

Document Number	000A645362
Date	Sep 22, 2022
Instrument	A645362

Lender

Name	MERCHANTS BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2052

Mortgage

Document Number	000A645363
Date	Sep 22, 2022
Instrument	A645363

Lender

Name	MERCHANTS BANK NA
Type	Bank
Address	WINONA, MN 55987

Agreement

Type	Second Mortgage (Down Payment)
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2052

February 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINONA MN
Property Address	227 E HOWARD ST, WINONA, MN 55987-5529
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	601015
Date	Feb 15, 2017
Instrument	601015

Lender

Name	WINONA NATIONAL BANK
Type	Bank
Address	WINONA, MN 55987

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Feb 15, 2027

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

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	$1,604.00 (+16.23%) Homeowner's exemption	$188,400 (+16.51%) Land $36,000 Building $152,400	$188,400 (+16.51%) Land $36,000 Building $152,400
2025		$161,700 (+4.59%) Land $36,000 Building $125,700	$161,700 (+4.59%) Land $36,000 Building $125,700
2023	$1,380.00 Homeowner's exemption	$154,600 Land $34,500 Building $120,100	$154,600 Land $34,500 Building $120,100

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

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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