249 River St, Winton, MN 55796 Property Records

St. Louis County property record for 249 River St, Winton, MN 55796

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,440 sqft · built 1910
Lot Size	0.215 acres (9,371 sqft)
Owner	2 Individual Names on File
Last Sale	$20,000 (Nov 2005)
Tax Bill	$360 (2026)
Deeds & Mortgages	Aug 2021 Mortgage Dec 2025 Mortgage + 5 more
Flood Zone	Zone X (minimal risk)
APN	`190-0010-00430`

Property Details

APN / Parcel Number

Primary APN	`190-0010-00430`
Alternative APN	`1099589`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	3 Rooms
Stories	1 Story
Building Area	1,440 sqft Gross Area
1st Floor Area	1,440 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1910
Effective Year Built	Effective 1910
Exterior Material	Wood
Construction Type	Frame
Lot Area	9,371 sqft (0.215 acres)
Garage Area	624 sqft
Storage Building	168 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Heating Fuel	Gas

Location & Zoning

Account Number	1099589
Street Address	249 RIVER ST
City	WINTON
State	MN
Zip	55796-2213
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	NLY 1/2 OF LOT 18 AND ALL OF LOT 19& LOT 20 SERIAL #
Legal Subdivision	FALL LAKE
Legal Block	2
Legal Lot Number	18-20
Jurisdiction	ST LOUIS MN
Township / Civil Division	WINTON
Census Block Group	1
Census Block	1036
Census Tract	15401

Owner

249 River St is owned and occupied by two individuals who acquired it in November 2020.

Source: St. Louis County records, as of August 17, 2026

Owner of Record	2 Individual Names on File
Mailing Address	249 RIVER ST, WINTON, MN 55796-2213
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

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 12, 2021	Deed of Trust, Mortgage · Conventional Mortgage NORTHRIDGE COMMUNITY CU
Dec 15, 2025	Deed of Trust, Mortgage · Conventional Mortgage NORTHRIDGE COMMUNITY CU
Mar 7, 2025	Deed of Trust, Mortgage · Line of Credit NORTHRIDGE COMMUNITY CU
Mar 7, 2025	Deed of Trust, Mortgage · Line of Credit NORTHRIDGE COMMUNITY CU
Dec 8, 2025	Deed of Trust, Mortgage · Conventional Mortgage NORTHRIDGE COMMUNITY CU
Jan 27, 2026	Intrafamily Transfer, Transfer · Conventional Mortgage NORTHRIDGE COMMUNITY CU
Nov 9, 2020	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 1, 2005 · Amount on File
Deed Sale	Nov 1, 2005 · Amount on File
Deed Document Number	2005999960
Last Transfer Date	Nov 3, 2020
Transfer Doc	0001031836
Record Updated	Sep 20, 2026

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	249 RIVER ST, WINTON, MN 55796-2213
Transaction Type	Mortgage
Record Updated	Feb 16, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001045129
Date	Aug 12, 2021
Instrument	1045129

Lender

Name	NORTHRIDGE COMMUNITY CU
Type	Credit Union
Address	HOYT LAKES, MN 55750

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2051

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	249 RIVER ST, WINTON, MN 55796-2213
Transaction Type	Mortgage
Record Updated	Feb 16, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	249 RINR ST, ELY, MN 55731

Mortgage

Document Number	0001524056
Date	Dec 15, 2025
Instrument	1524056

Lender

Name	NORTHRIDGE COMMUNITY CU
Type	Credit Union
Address	HOYT LAKES, MN 55750

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2056

March 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	249 RIVER ST, WINTON, MN 55796-2213
Transaction Type	Mortgage
Record Updated	Feb 16, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001088143
Date	Mar 7, 2025
Instrument	1088143

Lender

Name	NORTHRIDGE COMMUNITY CU
Type	Credit Union
Address	HOYT LAKES, MN 55750

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	180 Months
Due	Mar 28, 2040

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	249 RIVER ST, WINTON, MN 55796-2213
Transaction Type	Mortgage
Record Updated	Feb 16, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001506248
Date	Mar 7, 2025
Instrument	1506248

Lender

Name	NORTHRIDGE COMMUNITY CU
Type	Credit Union
Address	HOYT LAKES, MN 55750

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	180 Months
Due	Mar 28, 2040

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	249 RIVER ST, WINTON, MN 55796-2213
Transaction Type	Mortgage
Record Updated	Jan 6, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	249 RIVER ST, ELY, MN 55731

Mortgage

Document Number	0001096936
Date	Dec 8, 2025
Instrument	1096936

Lender

Name	NORTHRIDGE COMMUNITY CU
Type	Credit Union
Address	HOYT LAKES, MN 55750

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2056

January 2026: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ST LOUIS MN
Recording Date	Jan 27, 2026
Property Address	249 RIVER ST, WINTON, MN 55796-2213
Document Number	0001526837
Map Reference	MB H PG 30
Instrument Date	Nov 25, 2025
Instrument	1526837
Transaction Type	Transfer
Record Updated	Feb 16, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	249 RIVER ST, WINTON, MN 55796-2213

Mortgage

Document Number	0001096936
Date	Jan 27, 2026
Instrument	1096936

Lender

Name	NORTHRIDGE COMMUNITY CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 1, 2056

November 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ST LOUIS MN
Recording Date	Nov 9, 2020
Property Address	249 RIVER ST, WINTON, MN 55796-2213
Document Number	00T1031836
Instrument Date	Nov 3, 2020
Instrument	T1031836
Transaction Type	Transfer
Record Updated	Dec 2, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Tax	$2.00
Additional	Quitclaim Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	249 RIVER ST WINTON MN 557962213, WINTON, MN 55796-2213

Tax Assessment & Valuation

The 2026 property tax bill for 249 River St was $360 with a homeowner's exemption, up 4.7% from the year before.

Source: St. Louis County assessment roll, as of August 17, 2026

Property Jurisdictions

Type	Name
State	Minnesota
County	St. Louis County
Municipality	Winton City
Unified School District	Ely Public School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$360.00 (+4.65%) Homeowner's exemption
2025	$344.00 (+9.55%) Homeowner's exemption	$72,000 (+35.34%) Land $12,300 Building $59,700	$72,000 (+35.34%) Land $12,300 Building $59,700
2024	$314.00	$53,200 Land $11,200 Building $42,000	$53,200 Land $11,200 Building $42,000
2022		$44,000 Land $9,200 Building $34,800	$44,000 Land $9,200 Building $34,800

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

Flood

FEMA maps place 249 River St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective March 24, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	2 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

Wildfire risk around 249 River St is moderate, ranking above 62% of the US, with a 0.2% annual chance of wildfire.

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

Wildfire Risk	Moderate above 62% of the US · above 85% of Minnesota
Wildfire Likelihood	0.2% annual chance
Exposure	Direct burnable vegetation

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	Winton serves 173 people · EPA ID MN1690057
Water Source	Groundwater
Last State Inspection	Jun 2025
Also Mapped Here	EFFINGHAM
Lead	Under 1 ppb (2024–2026) 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 27 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Midco Fiber	5,000 / 5,000
Treehouse Broadband Fixed Wireless	1,000 / 1,000

Cell Coverage

5G (outdoors only) and 4G LTE

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