321 Laird St, Winona, MN 55987 Property Records

Winona County property record for 321 Laird St, Winona, MN 55987

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,574 sqft · built 1900
Lot Size	0.064 acres (2,788 sqft)
Owner	Individual Name on File
Tax Bill	$1,532 (2026)
Deeds & Mortgages	Jul 2021 Second Mortgage Dec 2018 Mortgage
APN	`32.300.2450`

Property Details

APN / Parcel Number

Primary APN	`32.300.2450`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	2 Stories
Building Area	1,574 sqft Living Area
1st Floor Area	787 sqft
Flooring	Carpet
Interior Walls	Plaster

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1989
Exterior Material	Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	2,788 sqft (0.064 acres)
Lot Dimensions	50 ft deep x 56 ft wide
Garage Type	Detached
Garage Area	260 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Hot Water

Location & Zoning

Street Address	321 LAIRD ST
City	WINONA
State	MN
Zip	55987-4027
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SECT-26 TWP-107 RANGE-007 LAIRDS ADDITION LOT-012 BLOCK-024 NLY 56'
Legal Range	007
Legal Township	107
Legal Section	26
Legal Subdivision	LAIRDS ADDITION
Legal Block	24
Legal Lot Number	12
Jurisdiction	WINONA MN
Township / Civil Division	WINONA
Census Block Group	1
Census Block	1023
Census Tract	670600

Owner

321 Laird St is owned and occupied by an individual who acquired it in November 2018.

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

Owner of Record	Individual Name on File
Mailing Address	321 LAIRD ST, WINONA, MN 55987-4027
Occupancy	Owner Occupied
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
Jul 27, 2021	Deed of Trust, Mortgage · Stand-Alone Second Mortgage ALTRA FCU
Dec 13, 2018	Intrafamily Transfer, Transfer · Conventional Mortgage ALTRA FCU

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Nov 16, 2018
Transfer Doc	614262
Record Updated	Oct 29, 2026

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINONA MN
Property Address	321 LAIRD ST, WINONA, MN 55987-4027
Transaction Type	Mortgage
Record Updated	Aug 17, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	635726
Date	Jul 27, 2021
Instrument	635726

Lender

Name	ALTRA FCU
Type	Credit Union
Address	ONALASKA, WI 54650

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	180 Months
Due	Jul 29, 2036

December 2018: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	WINONA MN
Recording Date	Dec 13, 2018
Property Address	321 LAIRD ST, WINONA, MN 55987-4027
Document Number	614262
Instrument Date	Nov 16, 2018
Instrument	614262
Transaction Type	Transfer
Record Updated	Jun 22, 2021
Title Company	MN SECURED TITLE

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	321 LAIRD ST, WINONA, MN 55987-4027

Mortgage

Document Number	614263
Date	Dec 13, 2018
Instrument	614263

Lender

Name	ALTRA FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	216 Months
Due	Dec 1, 2036

Tax Assessment & Valuation

The 2026 property tax bill for 321 Laird St was $1,532 with a homeowner's exemption.

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	$1,532.00 Homeowner's exemption	$189,600 (+21.46%) Land $24,500 Building $165,100	$189,600 (+21.46%) Land $24,500 Building $165,100
2025		$156,100 Land $24,500 Building $131,600	$156,100 Land $24,500 Building $131,600
2023	$1,314.00 Homeowner's exemption	$148,200 Land $23,500 Building $124,700	$148,200 Land $23,500 Building $124,700

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 321 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 321 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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