323 McIndoe St, Owatonna, MN 55060 Property Records

Steele County property record for 323 McIndoe St, Owatonna, MN 55060

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,065 sqft · built 1950
Lot Size	0.252 acres (10,977 sqft)
Owner	2 Individual Names on Record
Last Sale	$165,000 (Sep 2014)
Tax Bill	$4,704 (2026)
Deeds & Mortgages	Nov 2023 Mortgage Jun 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`17-139-0205`

Property Details

APN / Parcel Number

Primary APN	`17-139-0205`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	12 Rooms
Stories	2 Stories
Building Area	2,065 sqft Living Area
Basement Area	275 sqft
Finished Basement	275 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1950
Effective Year Built	Effective 1950
Exterior Material	Wood
Roof Type	Gable
Roof Material	Asphalt
Lot Area	10,977 sqft (0.252 acres)
Garage Type	Attached
Garage Area	672 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	323 MCINDOE ST
City	OWATONNA
State	MN
Zip	55060-3432
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ALEXANDER BLK. 2 LOT 5 AND W 33' OF LOT 6 TORRENS PROPERTY
Legal Subdivision	ALEXANDER
Legal Block	2
Legal Lot Number	5-6
Jurisdiction	STEELE MN
Township / Civil Division	OWATONNA
Census Block Group	2
Census Block	2008
Census Tract	960700

Owner

Source: Steele County records, as of August 18, 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	323 MCINDOE ST, OWATONNA, MN 55060-3432
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 14, 2023	Deed of Trust, Mortgage · Conventional Mortgage HOME TOWN FCU
Jun 16, 2021	Deed of Trust, Mortgage · FHA Mortgage CROSSCOUNTRY MORTGAGE INC
Apr 6, 2022	Deed of Trust, Mortgage · Conventional Mortgage HOME TOWN FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 29, 2014 · Amount on Record
Deed Sale	Sep 29, 2014 · Amount on Record
Prior Sale	Nov 16, 2012 · Amount on Record
Deed Document Number	201471861
Record Updated	Sep 20, 2026

November 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STEELE MN
Property Address	323 MCINDOE ST, OWATONNA, MN 55060-3432
Transaction Type	Mortgage
Record Updated	Dec 6, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	T000083147
Date	Nov 14, 2023
Instrument	T000083147

Lender

Name	HOME TOWN FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Nov 15, 2038

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STEELE MN
Property Address	323 MCINDOE ST, OWATONNA, MN 55060-3432
Transaction Type	Mortgage
Record Updated	May 11, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	T000080272
Date	Jun 16, 2021
Instrument	T000080272

Lender

Name	CROSSCOUNTRY MORTGAGE INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2051

Interest

Rate Type	Fixed Rate

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STEELE MN
Property Address	323 MCINDOE ST, OWATONNA, MN 55060-3432
Transaction Type	Mortgage
Record Updated	May 11, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	T000081492
Date	Apr 6, 2022
Instrument	T000081492

Lender

Name	HOME TOWN FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Apr 5, 2032

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

Source: Steele County assessment roll, as of September 8, 2025

Property Jurisdictions

Type	Name
State	Minnesota
County	Steele County
Municipality	Owatonna City
Unified School District	Owatonna Public School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$4,704.00 (-2.41%)
2025		$326,600 (+12.47%) Land $44,700 Building $281,900	$326,600 (+12.47%) Land $44,700 Building $281,900
2023	$4,820.00 Homeowner's exemption	$290,400 Land $35,000 Building $255,400	$290,400 Land $35,000 Building $255,400

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, effective November 11, 2014 · 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 Claims	4 (2000–2019)
Claims Outside the SFHA	4 of 4
Most Recent Claim	Jul 2019 · rainfall accumulation

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 97% of the US · lower than 89% 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	Owatonna serves 26,430 people · EPA ID MN1740007
Water Source	Groundwater
Last State Inspection	Dec 2025
Lead	2 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 477 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Metronet Fiber	5,120 / 5,120
Spectrum Cable	1,000 / 1,000
GigFire Fixed Wireless	150 / 130
Midco Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T, Minnesota WiFi, Verizon.

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