258 Oak Leaf Dr, Winona, MN 55987 Property Records

Winona County property record for 258 Oak Leaf Dr, Winona, MN 55987

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 2,466 sqft · built 1988
Lot Size	0.439 acres (19,123 sqft)
Owner	2 Individual Names on Record
Last Sale	$483,000 (Dec 2023)
Tax Bill	$5,770 (2026)
Deeds & Mortgages	Dec 2023 Sale & Mortgage Sep 2023 Second Mortgage + 3 more
APN	`32.523.0240`

Property Details

APN / Parcel Number

Primary APN	`32.523.0240`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,466 sqft Living Area
1st Floor Area	572 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1988
Effective Year Built	Effective 2005
Exterior Material	Vinyl
Construction Type	Stone
Roof Type	Gable
Roof Material	Asphalt
Lot Area	19,123 sqft (0.439 acres)
Lot Dimensions	22.5 ft deep x 8.5 ft wide
Garage Area	1,700 sqft
Porch	Open Porch
Porch Area	42 sqft
Deck Area	310 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	258 OAK LEAF DR
City	WINONA
State	MN
Zip	55987-6029
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SECT-02 TWP-106 RANGE-007 VALLEY OAKS 2ND SUBD LOT-016 BLOCK-003
Legal Range	007
Legal Township	106
Legal Section	02
Legal Subdivision	VALLEY OAKS 2ND
Legal Block	3
Legal Lot Number	16
Jurisdiction	WINONA MN
Township / Civil Division	WINONA
Census Block Group	3
Census Block	3023
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	258 OAK LEAF DR, WINONA, MN 55987-6029
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 12, 2023	Warranty Deed, Transfer · Conventional Mortgage MERCHANTS BANK NA
Sep 12, 2023	Deed of Trust, Mortgage · Stand-Alone Second Mortgage MERCHANTS BANK
Jul 10, 2019	Deed of Trust, Mortgage · Conventional Mortgage MERCHANTS BANK NA
Jun 22, 2020	Deed of Trust, Mortgage · Line of Credit MERCHANTS BANK
Jan 17, 2018	Warranty Deed, Transfer · ARM MERCHANTS BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 12, 2023 · Amount on Record
Deed Sale	Dec 12, 2023 · Amount on Record
Prior Sale	Jan 17, 2018 · Amount on Record
Deed Document Number	2023652417
Record Updated	Oct 29, 2026

December 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WINONA MN
Recording Date	Dec 12, 2023
Property Address	258 OAK LEAF DR, WINONA, MN 55987-6029
Document Number	000A652417
Instrument Date	Dec 12, 2023
Instrument	A652417
Transaction Type	Transfer
Record Updated	Jan 2, 2024
Title Company	TOWN N COUNTRY TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,593.90
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	258 OAK LEAF DR, WINONA, MN 55987-6029

Mortgage

Document Number	000A652418
Date	Dec 12, 2023
Instrument	A652418

Lender

Name	MERCHANTS BANK NA
Type	Bank

Agreement

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

September 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINONA MN
Property Address	258 OAK LEAF DR, WINONA, MN 55987-6029
Transaction Type	Mortgage
Record Updated	Oct 4, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	258 OAK LEAF DR, WINONA, MN 55987-6029

Mortgage

Document Number	000A650853
Date	Sep 12, 2023
Instrument	A650853

Lender

Name	MERCHANTS BANK
Type	Bank
Address	WINONA, MN 55987

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 12, 2053

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINONA MN
Property Address	258 OAK LEAF DR, WINONA, MN 55987-6029
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	617874
Date	Jul 10, 2019
Instrument	617874

Lender

Name	MERCHANTS BANK NA
Type	Bank
Address	WINONA, MN 55987

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Aug 1, 2034

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINONA MN
Property Address	258 OAK LEAF DR, WINONA, MN 55987-6029
Transaction Type	Mortgage
Record Updated	Jul 6, 2020

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	625342
Date	Jun 22, 2020
Instrument	625342

Lender

Name	MERCHANTS BANK
Type	Bank
Address	WINONA, MN 55987

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Jun 16, 2050

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WINONA MN
Recording Date	Jan 17, 2018
Property Address	258 OAK LEAF DR, WINONA, MN 55987-6029
Document Number	607852
Instrument Date	Jan 8, 2018
Instrument	607852
Transaction Type	Transfer
Record Updated	Jun 22, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,293.60
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	258 OAK LEAF DR, WINONA, MN 55987-6029

Mortgage

Document Number	607853
Date	Jan 17, 2018
Instrument	607853

Lender

Name	MERCHANTS BANK
Type	Bank

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2048

Interest

Rate Type	Adjustable Rate
Rate	4.81%
Type Change Date	Feb 1, 2021
Change Frequency	Annually
Min Rate At Change	4%
Max Rate At Change	6.81%
Index	1-Year CMT
Max Rate	10.8%

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	$5,770.00 (+28.28%) Homeowner's exemption	$525,600 (+7.68%) Land $56,700 Building $468,900	$525,600 (+7.68%) Land $56,700 Building $468,900
2025		$488,100 (+10.53%) Land $56,700 Building $431,400	$488,100 (+10.53%) Land $56,700 Building $431,400
2023	$4,498.00 Homeowner's exemption	$441,600 Land $53,500 Building $388,100	$441,600 Land $53,500 Building $388,100

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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