233 E Rose St, Owatonna, MN 55060 Property Records

Steele County property record for 233 E Rose St, Owatonna, MN 55060

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 967 sqft · built 1890
Lot Size	0.325 acres (14,157 sqft)
Owner	Individual Name on File
Last Sale	$27,500 (Aug 2020)
Tax Bill	$2,754 (2026)
Deeds & Mortgages	May 2018 Mortgage Feb 2017 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`17-100-2114`

Property Details

APN / Parcel Number

Primary APN	`17-100-2114`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	10 Rooms
Stories	1 Story
Building Area	967 sqft Living Area

Exterior

Year Built	Built 1890
Effective Year Built	Effective 1890
Architectural Style	Triplex
Exterior Material	Metal
Foundation Type	Stone
Roof Type	Gable
Roof Material	Asphalt
Lot Area	14,157 sqft (0.325 acres)
Garage Type	Detached
Garage Area	528 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	Hot Water

Location & Zoning

Street Address	233 E ROSE ST
City	OWATONNA
State	MN
Zip	55060-2425
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BLK 21 LOT 13 ORIG TOWN EX S75'
Legal Section	TW
Legal Subdivision	OWATONNA
Legal Block	21
Legal Lot Number	13
Jurisdiction	STEELE MN
Township / Civil Division	OWATONNA
Census Block Group	1
Census Block	1023
Census Tract	960400

Owner

Source: Steele County records, as of October 1, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on File
Mailing Address	233 E ROSE ST, OWATONNA, MN 55060-2425
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 11, 2018	Deed of Trust, Mortgage · Conventional Mortgage FIRST UNITED BANK
Feb 21, 2017	Deed of Trust, Mortgage · Commercial Mortgage BAY EQUITY LLC
Mar 25, 2021	Transfer on Death Deed, Transfer
Aug 3, 2020	Warranty Deed, Transfer NORTH AMERICAN TITLE
Aug 3, 2020	Warranty Deed, Transfer · FHA Mortgage TOWNE MORTGAGE CO

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 3, 2020 · Amount on File
Deed Sale	Aug 3, 2020 · Amount on File
Prior Sale	Aug 3, 2020 · Amount on File
Deed Document Number	2020430543
Last Transfer Date	Mar 24, 2021
Transfer Doc	0000435201
Record Updated	Oct 29, 2026

May 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STEELE MN
Property Address	233 E ROSE ST, OWATONNA, MN 55060-2425
Transaction Type	Mortgage
Record Updated	Jun 13, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	A000418153
Date	May 11, 2018
Instrument	A000418153

Lender

Name	FIRST UNITED BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	60 Months
Due	May 15, 2023

Interest

Rate Type	Fixed Rate

February 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STEELE MN
Property Address	233 E ROSE ST, OWATONNA, MN 55060-2425
Transaction Type	Mortgage
Record Updated	Jun 13, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	A000411927
Date	Feb 21, 2017
Instrument	A000411927

Lender

Name	BAY EQUITY LLC
Type	Funding / Finance Company

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	180 Months
Due	Mar 1, 2032

Interest

Rate Type	Fixed Rate

March 2021: Transfer on Death Deed, Transfer

Document Type	Transfer on Death Deed
Jurisdiction	STEELE MN
Recording Date	Mar 25, 2021
Property Address	233 E ROSE ST, OWATONNA, MN 55060-2425
Document Number	A000435201
Instrument Date	Mar 24, 2021
Instrument	A000435201
Transaction Type	Transfer
Record Updated	Aug 16, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	233 E ROSE ST, OWATONNA, MN 55060-2425

August 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	STEELE MN
Recording Date	Aug 3, 2020
Property Address	233 E ROSE ST, OWATONNA, MN 55060-2425
Document Number	A000430543
Instrument Date	Jul 27, 2020
Instrument	A000430543
Transaction Type	Transfer
Record Updated	Aug 16, 2022
Title Company	NORTH AMERICAN TITLE

Transaction

Amount	Amount on Record
Tax	$90.75
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	1345 COVE CT, OKEMOS, MI 48864-3405

August 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	STEELE MN
Recording Date	Aug 3, 2020
Property Address	233 E ROSE ST, OWATONNA, MN 55060-2425
Document Number	A000430541
Instrument Date	Jul 27, 2020
Instrument	A000430541
Transaction Type	Transfer
Record Updated	Jun 13, 2023
Title Company	NORTH AMERICAN TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$567.60
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	233 E ROSE ST, OWATONNA, MN 55060-2425

Mortgage

Document Number	A000430542
Date	Aug 3, 2020
Instrument	A000430542

Lender

Name	TOWNE MORTGAGE CO
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2050

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

Source: Steele County assessment roll, as of October 1, 2026

Property Jurisdictions

Type	Name
State	Minnesota
County	Steele County
Municipality	Owatonna City
Unified School District	Owatonna Public School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$2,754.00 (+6.58%) Homeowner's exemption	$222,800 (+8.63%) Land $34,300 Building $188,500	$222,800 (+8.63%) Land $34,300 Building $188,500
2025		$205,100 (+10.92%) Land $33,000 Building $172,100	$205,100 (+10.92%) Land $33,000 Building $172,100
2023	$2,584.00 Homeowner's exemption	$184,900 Land $25,700 Building $159,200	$184,900 Land $25,700 Building $159,200

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, effective November 11, 2014 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	3 in force
Nearby Flood Claims	12 (2004–2016)
Claims Outside the SFHA	4 of 12
Most Recent Claim	Sep 2016 · Severe Storms And Flooding
Claims by Event	Severe Storms And Flooding, Sep 2016 · 10 claims

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within 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	Owatonna serves 26,430 people · EPA ID MN1740007
Water Source	Groundwater
Last State Inspection	Dec 2025
Lead	2 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
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 397 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Metronet Fiber	5,120 / 5,120
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
GigFire Fixed Wireless	150 / 130
Midco Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Fidium Fiber.

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