McLeod County property record for 322 Perch Ln, Winsted, MN 55395
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2.5 ba · 1,257 sqft · built 2000 |
| Lot Size | 0.034 acres (1,517 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $160,000 (Jan 2020) |
| Tax Bill | $2,628 (2026) |
| Deeds & Mortgages | Sep 2010 Mortgage Jan 2020 Sale & Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 21.116.0820 |
| Primary APN | 21.116.0820 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 1,257 sqft Total Area |
| 1st Floor Area | 870 sqft |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2000 |
|---|---|
| Effective Year Built | Effective 2000 |
| Exterior Material | Vinyl |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 1,517 sqft (0.034 acres) |
| Lot Dimensions | 41 ft deep x 37 ft wide |
| Garage Type | Finished |
| Garage Area | 400 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 36 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Hot Water |
| Street Address | 322 PERCH LN |
|---|---|
| City | WINSTED |
| State | MN |
| Zip | 55395-6546 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | WINSTED ON THE LAKE LOT-029 BLOCK-002 |
| Legal Subdivision | WINSTED ON THE LAKE |
| Legal Block | 2 |
| Legal Lot Number | 29 |
| Jurisdiction | MCLEOD MN |
| Township / Civil Division | WINSTED |
| Census Block Group | 1 |
| Census Block | 1012 |
| Census Tract | 950100 |
322 Perch Ln is owned and occupied by two individuals who bought it in January 2020.
Source: McLeod County records, as of April 14, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 322 PERCH LN, WINSTED, MN 55395-6546 |
| 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.
| Date | Document |
|---|---|
| Sep 1, 2010 | Deed of Trust, Mortgage · VA Mortgage MORTGAGE RESEARCH CENTER LLC DBA VAMORTG |
| Jan 24, 2020 | Warranty Deed, Transfer · Conventional Mortgage FLAGSTAR BANK FSB |
| Feb 14, 2013 | Quit Claim Deed, Transfer LEND SMART MORTGAGE, LLC |
| Apr 26, 2012 | Foreclosure Foreclosure Auction |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jan 24, 2020 · Amount on File |
| Deed Sale | Jan 24, 2020 · Amount on File |
| Prior Sale | Apr 26, 2012 |
| Deed Document Number | 202065142 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MCLEOD MN |
| Property Address | 322 PERCH LN, WINSTED, MN 55395-6546 |
| Transaction Type | Mortgage |
| Record Updated | Mar 24, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0000051638 |
|---|---|
| Date | Sep 1, 2010 |
| Instrument | 51638 |
| Name | MORTGAGE RESEARCH CENTER LLC DBA VAMORTG |
|---|---|
| Type | Seller |
| Address | 2101 CHAPEL PLAZA CT STE 107, COLUMBIA, MO 65203 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Sep 1, 2040 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MCLEOD MN |
| Recording Date | Jan 24, 2020 |
| Property Address | 322 PERCH LN, WINSTED, MN 55395-6546 |
| Document Number | 0000065142 |
| Instrument Date | Oct 4, 2019 |
| Instrument | 65142 |
| Transaction Type | Transfer |
| Record Updated | Mar 24, 2026 |
| Title Company | AVENEL TITLE, AVENUE TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $528.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 322 PERCH LN, WINSTED, MN 55395-6546 |
| Document Number | 0000065143 |
|---|---|
| Date | Jan 24, 2020 |
| Instrument | 65143 |
| Name | FLAGSTAR BANK FSB |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Rate Type | Fixed Rate |
|---|
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | MCLEOD MN |
| Recording Date | Feb 14, 2013 |
| Property Address | 322 PERCH LN, WINSTED, MN 55395-6546 |
| Document Number | 0000T55502 |
| Instrument Date | Jan 15, 2013 |
| Instrument | T55502 |
| Transaction Type | Transfer |
| Record Updated | Mar 24, 2026 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|
| Document Number | 0000T55503 |
|---|---|
| Date | Feb 14, 2013 |
| Instrument | T55503 |
| Name | LEND SMART MORTGAGE, LLC |
|---|---|
| Address | 11334 86TH AVE N, MAPLE GROVE, MN 55369 |
| Amount | Amount on Record |
|---|---|
| Term | 360 Months |
| Due | Feb 1, 2043 |
| Document Type | Foreclosure |
|---|---|
| Jurisdiction | MCLEOD MN |
| Recording Date | Apr 26, 2012 |
| Property Address | 322 PERCH LN, WINSTED, MN 55395-6546 |
| Document Number | 0000T54139 |
| Instrument | T54139 |
| Transaction Type | Foreclosure |
| Record Updated | Mar 24, 2026 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|
The 2026 property tax bill for 322 Perch Ln was $2,628 with a homeowner's exemption.
Source: McLeod County assessment roll, as of March 24, 2026
| Type | Name |
|---|---|
| State | Minnesota |
| County | McLeod County |
| Municipality | Winsted City |
| Unified School District | Howard Lake-Waverly-Winsted (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $2,628.00 Homeowner's exemption | ||
| 2025 | $196,400 Land $18,100 Building $178,300 | $196,400 Land $18,100 Building $178,300 | |
| 2022 | $169,700 Land $17,200 Building $152,500 | $169,700 Land $17,200 Building $152,500 | |
| 2019 | $2,052.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 322 Perch Ln in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2014.
Source: FEMA National Flood Hazard Layer, effective January 23, 2019 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 3 in force |
| Nearby Flood Claims | 1 (2014) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Mar 2014 · other causes |
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 risk around 322 Perch Ln 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 98% of the US · lower than 92% of Minnesota |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | Winsted serves 2,226 people · EPA ID MN1430010 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Dec 2024 |
| Lead | Under 1 ppb (2021–2023) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| 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.
Source: FCC Broadband Data Collection, based on 123 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Metronet Fiber | 5,120 / 5,120 |
| Mediacom Xtream Cable | 2,000 / 1,000 |
| TDS Telecom Fiber | 1,000 / 1,000 |
| GigFire Fixed Wireless | 150 / 130 |
| T-Mobile Fixed Wireless | 100 / 20 |
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