262 Laird St, Winona, MN 55987 Property Records

Winona County property record for 262 Laird St, Winona, MN 55987

Property Summary

Property Type	Multi-Family Dwellings
Details	5 bd · 2 ba · 2,105 sqft · built 1897
Lot Size	0.087 acres (3,790 sqft)
Owner	2 Individual Names on File
Last Sale	$74,251 (Dec 2020)
Tax Bill	$2,358 (2026)
Deeds & Mortgages	Mar 2018 Line of Credit Dec 2020 Sale & Mortgage + 1 more
APN	`32.300.1820`

Property Details

APN / Parcel Number

Primary APN	`32.300.1820`

Interior

Bedrooms	5 Beds
Full Baths	2 Baths
Units	4 Units
Stories	2 Stories
Building Area	2,105 sqft Total Area
1st Floor Area	712 sqft
Basement Area	219 sqft
Unfinished Basement	219 sqft
Flooring	Carpet
Interior Walls	Paneling

Exterior

Year Built	Built 1897
Effective Year Built	Effective 1983
Architectural Style	Multi-Family
Exterior Material	Vinyl
Fire Resistance	Fireproof Reinforced Concrete
Roof Type	Gable
Roof Material	Asphalt
Lot Area	3,790 sqft (0.087 acres)
Lot Dimensions	75 ft deep x 51 ft wide
Garage Type	Detached
Garage Area	336 sqft
Porch	Porch
Porch Area	280 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	262 LAIRD ST
City	WINONA
State	MN
Zip	55987-3149
Property Category	Residential
Property Type	Residential > Multi-Unit > Multi-Family Dwellings
Legal Description	SECT-26 TWP-107 RANGE-007 LAIRDS ADDITION LOT-006 BLOCK-020 BEG AT A PT ON W LINE OF LOT 6 89.05' S OF NW COR AT R/A ELY
Legal Range	007
Legal Township	107
Legal Section	26
Legal Subdivision	LAIRDS ADDITION
Legal Block	20
Legal Lot Number	5-6,89
Jurisdiction	WINONA MN
Township / Civil Division	WINONA
Census Block Group	1
Census Block	1001
Census Tract	670600

Owner

262 Laird St, a residential property, is owned by two individuals who bought it in December 2020.

Source: Winona County records, as of September 4, 2026

Owner of Record	2 Individual Names on File
Mailing Address	458 W SANBORN ST, WINONA, MN 55987-2936
Owner Type	Individual

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
Mar 16, 2018	Deed of Trust, Mortgage · Line of Credit MERCHANTS BANK NA
Dec 23, 2020	Warranty Deed, Transfer · Conventional Mortgage HOME FEDERAL SAVINGS BANK
Dec 23, 2020	Deed, Transfer · Conventional Mortgage HOME FEDERAL SAVINGS BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 23, 2020 · Amount on File
Deed Sale	Dec 23, 2020 · Amount on File
Prior Sale	Dec 23, 2020 · Amount on File
Deed Document Number	2020630106
Record Updated	Oct 29, 2026

March 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINONA MN
Property Address	262 LAIRD ST, WINONA, MN 55987-3149
Transaction Type	Mortgage
Record Updated	Jul 29, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000608867
Date	Mar 16, 2018
Instrument	608867

Lender

Name	MERCHANTS BANK NA
Type	Bank
Address	WINONA, MN 55987

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	240 Months
Due	Mar 10, 2038

Interest

Rate Type	Adjustable Rate

December 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WINONA MN
Recording Date	Dec 23, 2020
Property Address	262 LAIRD ST, WINONA, MN 55987-3149
Document Number	0000630106
Instrument Date	Dec 18, 2020
Instrument	630106
Transaction Type	Transfer
Record Updated	Jul 29, 2022
Title Company	KNIGHT BARRY TITLE UNITED LLC, KNIGHT BARRY TTL UNITED LLC

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$245.03
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	458 W SANBORN ST, WINONA, MN 55987-2936

Mortgage

Document Number	0000630107
Date	Dec 23, 2020
Instrument	630107

Lender

Name	HOME FEDERAL SAVINGS BANK
Type	Bank
Address	ROCHESTER, MN 55901

Agreement

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

December 2020: Deed, Transfer

Document Type	Deed
Jurisdiction	WINONA MN
Recording Date	Dec 23, 2020
Property Address	262 LAIRD ST, WINONA, MN 55987-3149
Document Number	0000630105
Instrument Date	Dec 18, 2020
Instrument	630105
Transaction Type	Transfer
Record Updated	Jul 29, 2022
Title Company	KNIGHT BARRY TTL UNITED LLC

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$245.03
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	458 W SANBORN ST, WINONA, MN 55987-2936

Mortgage

Document Number	0000630107
Date	Dec 23, 2020
Instrument	630107

Lender

Name	HOME FEDERAL SAVINGS BANK
Type	Bank
Address	ROCHESTER, MN 55901

Agreement

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

Tax Assessment & Valuation

The 2026 property tax bill for 262 Laird St was $2,358.

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	$2,358.00	$191,200 (+20.03%) Land $29,500 Building $161,700	$191,200 (+20.03%) Land $29,500 Building $161,700
2025		$159,300 Land $29,500 Building $129,800	$159,300 Land $29,500 Building $129,800
2023	$1,978.00	$153,300 Land $28,400 Building $124,900	$153,300 Land $28,400 Building $124,900

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

Flood

FEMA has no flood map on file for 262 Laird St; there have been 1 flood claim nearby since 1991.

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

FEMA Flood Zone	Not on file
Nearby Flood Claims	1 (1991)
Most Recent Claim	Jul 1991 · river or lake flooding

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 262 Laird St is low, with less than a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 99.1% of the US · lower than 96% 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	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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