251 E Howard St, Winona, MN 55987 Property Records

Winona County property record for 251 E Howard St, Winona, MN 55987

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,923 sqft · built 1890
Lot Size	0.124 acres (5,401 sqft)
Owner	2 Individual Names on Record
Tax Bill	$2,846 (2026)
Deeds & Mortgages	Sep 2017 Second Mortgage Oct 2020 Mortgage
APN	`32.235.0270`

Property Details

APN / Parcel Number

Primary APN	`32.235.0270`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	1,923 sqft Living Area
1st Floor Area	660 sqft
Flooring	Carpet
Interior Walls	Plaster

Exterior

Year Built	Built 1890
Effective Year Built	Effective 1991
Exterior Material	Other
Foundation Type	Stone
Roof Type	Gable
Roof Material	Asphalt
Lot Area	5,401 sqft (0.124 acres)
Lot Dimensions	95 ft deep x 57 ft wide
Garage Area	336 sqft
Porch	Open Porch
Porch Area	220 sqft
Patio Area	256 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	251 E HOWARD ST
City	WINONA
State	MN
Zip	55987-3869
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SECT-26 TWP-107 RANGE-007 HOWARD STREET LIMITS LOT-062 WLY 57' OF NLY 95'
Legal Range	007
Legal Township	107
Legal Section	26
Legal Subdivision	HOWARD STREET LIMITS
Legal Lot Number	62
Jurisdiction	WINONA MN
Township / Civil Division	WINONA
Census Block Group	2
Census Block	2013
Census Tract	670600

Owner

Source: Winona County records, as of October 9, 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	251 E HOWARD ST, WINONA, MN 55987-3869
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 11, 2017	Deed of Trust, Mortgage · Stand-Alone Second Mortgage AFFINITY PLUS FCU
Oct 27, 2020	Deed of Trust, Mortgage · Conventional Mortgage AFFINITY PLUS FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Oct 29, 2026

September 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINONA MN
Property Address	251 E HOWARD ST, WINONA, MN 55987-3869
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	605284
Date	Sep 11, 2017
Instrument	605284

Lender

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

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Sep 7, 2032

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINONA MN
Property Address	251 E HOWARD ST, WINONA, MN 55987-3869
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	628531
Date	Oct 27, 2020
Instrument	628531

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Nov 1, 2040

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	$2,846.00 (+10.4%) Homeowner's exemption	$261,100 (+17.98%) Land $36,700 Building $224,400	$261,100 (+17.98%) Land $36,700 Building $224,400
2025		$221,300 (+5.73%) Land $36,700 Building $184,600	$221,300 (+5.73%) Land $36,700 Building $184,600
2023	$2,578.00 Homeowner's exemption	$209,300 Land $35,300 Building $174,000	$209,300 Land $35,300 Building $174,000

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

FEMA Flood Zone	Not on file

Values are read at the parcel center point; 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 94% of the US · lower than 82% of Minnesota
Wildfire Likelihood	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	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 770 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
AT&T Fixed Wireless	100 / 20

May also be available: GigFire, Hiawatha Broadband Communications, Verizon.

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