244 E Rose St, Owatonna, MN 55060 Property Records

Steele County property record for 244 E Rose St, Owatonna, MN 55060

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 822 sqft · built 1870
Lot Size	0.142 acres (6,186 sqft)
Owner	2 Individual Names on File
Last Sale	$149,900 (Aug 2021)
Tax Bill	$2,196 (2026)
Deeds & Mortgages	Aug 2021 Mortgage Aug 2021 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`17-104-0410`

Property Details

APN / Parcel Number

Primary APN	`17-104-0410`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	822 sqft Living Area

Exterior

Year Built	Built 1870
Effective Year Built	Effective 1870
Exterior Material	Aluminum/Vinyl
Foundation Type	Stone
Roof Type	Gable
Roof Material	Asphalt
Lot Area	6,186 sqft (0.142 acres)
Garage Type	Detached
Garage Area	570 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	244 E ROSE ST
City	OWATONNA
State	MN
Zip	55060-2426
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PETTIT BLK 4 LOT 10 PETTITS
Legal Section	TW
Legal Subdivision	PETTIT
Legal Block	4
Legal Lot Number	10
Jurisdiction	STEELE MN
Township / Civil Division	OWATONNA
Census Block Group	1
Census Block	1022
Census Tract	960400

Owner

244 E Rose St is owned and occupied by two individuals who bought it in August 2021.

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

Owner of Record	2 Individual Names on File
Mailing Address	244 E ROSE ST, OWATONNA, MN 55060-2426
Occupancy	Owner Occupied
Owner Type	Individual

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

Deeds, Mortgages & Sale History

Date	Document
Aug 13, 2021	Deed of Trust, Mortgage · Conventional Mortgage PLAINS COMMERCE BANK
Aug 13, 2021	Warranty Deed, Transfer · Conventional Mortgage PLAINS COMMERCE BANK
May 27, 2021	Limited Warranty Deed, Transfer NORTH AMERICAN TITLE
Aug 17, 2018	Warranty Deed, Subdivision Related Transfer · FHA Mortgage BAY EQUITY LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 13, 2021 · Amount on File
Deed Sale	Aug 13, 2021 · Amount on File
Prior Sale	May 27, 2021 · Amount on File
Deed Document Number	2021437990
Prior Transfer Date	Sep 4, 2008
Prior Transfer Doc	0000359309
Record Updated	Oct 29, 2026

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STEELE MN
Property Address	244 E ROSE ST, OWATONNA, MN 55060-2426
Transaction Type	Mortgage
Record Updated	Aug 11, 2023
Title Company	NOT AVAILABLE, MN SECURED TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	A000437992
Date	Aug 13, 2021
Instrument	A000437992

Lender

Name	PLAINS COMMERCE BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	120 Months
Due	Aug 1, 2031

Interest

Rate Type	Fixed Rate

August 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	STEELE MN
Recording Date	Aug 13, 2021
Property Address	244 E ROSE ST, OWATONNA, MN 55060-2426
Document Number	A000437990
Instrument Date	Jul 30, 2021
Instrument	A000437990
Transaction Type	Transfer
Record Updated	Aug 16, 2022
Title Company	MN SECURED TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$494.67
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	244 E ROSE ST, OWATONNA, MN 55060-2426
Investor	Possibly a Property Investor

Mortgage

Document Number	A000437991
Date	Aug 13, 2021
Instrument	A000437991

Lender

Name	PLAINS COMMERCE BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2051

Interest

Rate Type	Fixed Rate

May 2021: Limited Warranty Deed, Transfer

Document Type	Limited Warranty Deed
Jurisdiction	STEELE MN
Recording Date	May 27, 2021
Property Address	244 E ROSE ST, OWATONNA, MN 55060-2426
Document Number	A000436428
Instrument Date	May 20, 2021
Instrument	A000436428
Transaction Type	Transfer
Record Updated	Aug 16, 2022
Title Company	NORTH AMERICAN TITLE

Transaction

Amount	Amount on Record
Tax	$297.00
Amount Accuracy	Rounded by County
Additional	Notice of Trustee Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	846 PARKVIEW CT, PORTAGE, WI 53901-1506

August 2018: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	STEELE MN
Recording Date	Aug 17, 2018
Property Address	244 E ROSE ST, OWATONNA, MN 55060-2426
Document Number	A000419757
Instrument Date	Aug 17, 2018
Instrument	A000419757
Transaction Type	Subdivision Related Transfer
Record Updated	Aug 16, 2022
Title Company	NORTH AMERICAN TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$414.15
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	244 EROSE STREET, OWATONNA, MN 55060

Mortgage

Document Number	A000419758
Date	Aug 17, 2018
Instrument	A000419758

Lender

Name	BAY EQUITY LLC

Agreement

Type	FHA Mortgage
Amount	Amount on Record

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

The 2026 property tax bill for 244 E Rose St was $2,196 with a homeowner's exemption.

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	$2,196.00 Homeowner's exemption	$177,900 (+4.46%) Land $25,000 Building $152,900	$177,900 (+4.46%) Land $25,000 Building $152,900
2025		$170,300 Land $24,000 Building $146,300	$170,300 Land $24,000 Building $146,300
2023	$2,096.00 Homeowner's exemption	$156,300 Land $18,700 Building $137,600	$156,300 Land $18,700 Building $137,600

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 244 E Rose St in Zone X, an area of minimal flood risk, though there have been 12 flood claims nearby since 2004.

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

The area around 244 E Rose St has no burnable land within ember reach, so its wildfire risk is not rated.

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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