249 Oak Leaf Dr, Winona, MN 55987 Property Records

Winona County property record for 249 Oak Leaf Dr, Winona, MN 55987

Property Summary

Property Type	Single Family Home
Details	5 bd · 4 ba · 2,723 sqft · built 1989
Lot Size	0.544 acres (23,697 sqft)
Owner	2 Individual Names on Record
Last Sale	$295,000 (Apr 2018)
Tax Bill	$5,474 (2026)
Deeds & Mortgages	Mar 2018 Sale & Mortgage Apr 2018 Sale
APN	`32.523.0410`

Property Details

APN / Parcel Number

Primary APN	`32.523.0410`

Interior

Bedrooms	5 Beds
Full Baths	4 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,723 sqft Living Area
1st Floor Area	1,214 sqft
Basement Area	190 sqft
Unfinished Basement	190 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1989
Effective Year Built	Effective 2000
Exterior Material	Wood Siding
Construction Type	Log
Roof Type	Hip
Roof Material	Asphalt
Lot Area	23,697 sqft (0.544 acres)
Lot Dimensions	19.6 ft deep x 12.1 ft wide
Garage Area	875 sqft

Exterior Amenities

Pool Type	Spa / Hot Tub (No Pool)
Porch	Open Porch
Porch Area	192 sqft
Deck Area	480 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	249 OAK LEAF DR
City	WINONA
State	MN
Zip	55987-6028
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SECT-02 TWP-106 RANGE-007 VALLEY OAKS 2ND SUBD LOT-007 BLOCK-005
Legal Range	007
Legal Township	106
Legal Section	02
Legal Subdivision	VALLEY OAKS 2ND
Legal Block	5
Legal Lot Number	7
Jurisdiction	WINONA MN
Township / Civil Division	WINONA
Census Block Group	3
Census Block	3021
Census Tract	670802

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	249 OAK LEAF DR, WINONA, MN 55987-6028
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 6, 2018	Warranty Deed, Transfer · Conventional Mortgage MERCHANTS BANK NA
Apr 6, 2018	Re-recorded Document RIVER VALLEY TITLE GROUP LLC, RIVER VALLEY TITLE GROUP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 6, 2018 · Amount on Record
Deed Sale	Apr 6, 2018 · Amount on Record
Prior Sale	Mar 6, 2018 · Amount on Record
Deed Document Number	2018609285
Prior Transfer Date	Feb 28, 2018
Prior Transfer Doc	609285
Record Updated	Oct 29, 2026

March 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WINONA MN
Recording Date	Mar 6, 2018
Property Address	249 OAK LEAF DR, WINONA, MN 55987-6028
Document Number	608658
Instrument Date	Feb 28, 2018
Instrument	608658
Transaction Type	Transfer
Record Updated	Jun 22, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$973.50
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	249 OAK LEAF DR, WINONA, MN 55987-6028

Mortgage

Document Number	608659
Date	Mar 6, 2018
Instrument	608659

Lender

Name	MERCHANTS BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 1, 2048

April 2018: Re-recorded Document

Document Type	Re-recorded Document
Jurisdiction	WINONA MN
Recording Date	Apr 6, 2018
Property Address	249 OAK LEAF DR, WINONA, MN 55987-6028
Document Number	609285
Instrument Date	Feb 28, 2018
Instrument	609285
Record Updated	Jun 22, 2021
Title Company	RIVER VALLEY TITLE GROUP LLC, RIVER VALLEY TITLE GROUP

Transaction

Amount	Amount Recorded
Tax	$973.50
Amount Accuracy	Rounded by County

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	249 OAK LEAF DR, WINONA, MN 55987-6028

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	$5,474.00 (+29.9%)	$498,800 (+8.27%) Land $56,700 Building $442,100	$498,800 (+8.27%) Land $56,700 Building $442,100
2025		$460,700 (+10.96%) Land $56,700 Building $404,000	$460,700 (+10.96%) Land $56,700 Building $404,000
2023	$4,214.00	$415,200 Land $53,500 Building $361,700	$415,200 Land $53,500 Building $361,700

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 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Not on file
Flood Insurance Cost	Premium on Record median of 12 policies
Nearby Flood Policies	12 in force

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	Low lower than 80% of the US · lower than 60% of Minnesota
Wildfire Likelihood	0.01% annual chance
Exposure	Indirect 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	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 123 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Hiawatha Broadband Communications Fiber · Cable in parts of the area	5,000 / 5,000
Spectrum Cable	1,000 / 50

May also be available: T-Mobile, Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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