250 E Main St, Utica, MN 55979 Property Records

Winona County property record for 250 E Main St, Utica, MN 55979

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,641 sqft · built 1881
Lot Size	0.257 acres (11,195 sqft)
Owner	2 Individual Names on Record
Last Sale	$247,500 (Oct 2025)
Tax Bill	$1,590 (2026)
Deeds & Mortgages	Jan 2020 Second Mortgage May 2021 Mortgage + 2 more
APN	`31.000.0160`

Property Details

APN / Parcel Number

Primary APN	`31.000.0160`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,641 sqft Living Area
1st Floor Area	588 sqft
Basement Area	216 sqft
Unfinished Basement	216 sqft
Flooring	Carpet
Interior Walls	Plaster

Exterior

Year Built	Built 1881
Effective Year Built	Effective 1985
Exterior Material	Vinyl
Roof Type	Gable
Roof Material	Galvanized Metal
Lot Area	11,195 sqft (0.257 acres)
Lot Dimensions	160 ft deep x 70 ft wide
Garage Area	768 sqft
Porch	Open Porch
Porch Area	415 sqft
Deck Area	360 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	250 E MAIN ST
City	UTICA
State	MN
Zip	55979-8708
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SECT-19 TWP-106 RANGE-009 ORIGINAL PLAT UTICA ORIGINAL PLAT PT OF LOT 1 BEG AT SE COR BLK 3, THENCE ELY 70', NLY 160', WLY
Legal Range	009
Legal Township	106
Legal Section	19
Legal Subdivision	ORIGINAL PLAT
Legal Block	3
Legal Lot Number	1
Jurisdiction	WINONA MN
Township / Civil Division	UTICA
Census Block Group	2
Census Block	2010
Census Tract	670900

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	250 E MAIN ST, UTICA, MN 55979-8708
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Jan 6, 2020	Deed of Trust, Mortgage · Stand-Alone Second Mortgage AFFINITY PLUS FCU
May 26, 2021	Deed of Trust, Mortgage · Conventional Mortgage AFFINITY PLUS FCU
Oct 7, 2025	Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Sep 5, 2023	Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 7, 2025 · Amount on Record
Deed Sale	Oct 7, 2025 · Amount on Record
Prior Sale	Sep 5, 2023 · Amount on Record
Deed Document Number	2025663108
Record Updated	Oct 29, 2026

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINONA MN
Property Address	250 E MAIN ST, UTICA, MN 55979-8708
Transaction Type	Mortgage
Record Updated	Jan 13, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000621953
Date	Jan 6, 2020
Instrument	621953

Lender

Name	AFFINITY PLUS FCU
Type	Credit Union
Address	SAINT PAUL, MN 55107

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	59 Months
Due	Dec 20, 2024

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINONA MN
Property Address	250 E MAIN ST, UTICA, MN 55979-8708
Transaction Type	Mortgage
Record Updated	Jan 13, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000634172
Date	May 26, 2021
Instrument	634172

Lender

Name	AFFINITY PLUS FCU
Type	Credit Union
Address	SAINT PAUL, MN 55107

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	145 Months
Due	Jun 1, 2033

October 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WINONA MN
Recording Date	Oct 7, 2025
Property Address	250 E MAIN ST, UTICA, MN 55979-8708
Document Number	000A663108
Instrument Date	Sep 30, 2025
Instrument	A663108
Transaction Type	Transfer
Record Updated	Jan 13, 2026
Title Company	HOMESTEAD TITLE COMPANY, HOMESTEAD TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$816.75
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	250 E MAIN ST, UTICA, MN 55979-8708

Mortgage

Document Number	000A663109
Date	Oct 7, 2025
Instrument	A663109

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2055

September 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WINONA MN
Recording Date	Sep 5, 2023
Property Address	250 E MAIN ST, UTICA, MN 55979-8708
Document Number	000A650709
Instrument Date	Aug 30, 2023
Instrument	A650709
Transaction Type	Transfer
Record Updated	Oct 11, 2023
Title Company	OH-SITE TITLE LLC, ON SITE TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$742.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	250 E MAIN ST, UTICA, MN 55979-8708

Mortgage

Document Number	000A650710
Date	Sep 5, 2023
Instrument	A650710

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2053

Tax Assessment & Valuation

Source: Winona County assessment roll, as of September 4, 2026

Property Jurisdictions

Type	Name
State	Minnesota
County	Winona County
Municipality	Utica City
Unified School District	St. Charles Public School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$1,590.00 (+0.13%) Homeowner's exemption	$203,700 (+9.69%) Land $28,800 Building $174,900	$203,700 (+9.69%) Land $28,800 Building $174,900
2025	$1,588.00 (-3.64%) Homeowner's exemption	$185,700 (+9.75%) Land $28,800 Building $156,900	$185,700 (+9.75%) Land $28,800 Building $156,900
2023	$1,648.00 Homeowner's exemption	$169,200 Land $28,800 Building $140,400	$169,200 Land $28,800 Building $140,400

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
Nearby Flood Policies	3 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 93% of the US · lower than 78% of Minnesota
Wildfire Likelihood	Under 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	Utica serves 293 people · EPA ID MN1850011
Water Source	Groundwater
Last State Inspection	Apr 2025
Lead	1 ppb (2021–2023) action level 15 ppb

Violations Reported to EPA

Water Quality	Nitrate resolved · Jul 2020
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 117 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Hiawatha Broadband Communications Fiber	5,000 / 5,000
GigFire Fixed Wireless	150 / 130

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on E Main St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures