Steele County property record for 346 E School St, Owatonna, MN 55060
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,460 sqft · built 1925 |
| Lot Size | 0.225 acres (9,801 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $2,656 (2026) |
| Deeds & Mortgages | May 2023 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 17-010-3206 |
| Primary APN | 17-010-3206 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 1,460 sqft Finished Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1925 |
|---|---|
| Effective Year Built | Effective 1925 |
| Exterior Material | Wood |
| Foundation Type | Masonry |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 9,801 sqft (0.225 acres) |
| Garage Type | Detached |
| Garage Area | 360 sqft |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 346 E SCHOOL ST |
|---|---|
| City | OWATONNA |
| State | MN |
| Zip | 55060-3025 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | W1/2 OF S1/2 OF W.9R. OF L.5 IN SE1/4 OF SW1/4 |
| Legal Range | 20 |
| Legal Township | 107 |
| Legal Section | 10 |
| Jurisdiction | STEELE MN |
| Township / Civil Division | OWATONNA |
| Census Block Group | 2 |
| Census Block | 2030 |
| Census Tract | 960200 |
346 E School St is owned and occupied by two individuals who acquired it in June 2008.
Source: Steele County records, as of October 1, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 346 E SCHOOL ST, OWATONNA, MN 55060-3025 |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Transfer Date | Jun 25, 2008 |
| Transfer Doc | 0000358229 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | STEELE MN |
| Property Address | 346 E SCHOOL ST, OWATONNA, MN 55060-3025 |
| Transaction Type | Mortgage |
| Record Updated | Jun 21, 2023 |
| Name | Verified Name |
|---|
| Document Number | A000448228 |
|---|---|
| Date | May 30, 2023 |
| Instrument | A000448228 |
| Name | BREMER BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jun 1, 2053 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6.13% |
| Adjustable | Adjustable Rate Rider |
| Type Change Date | Jun 1, 2020 |
| Change Frequency | Annually |
| Min Rate At Change | 2.75% |
| Max Rate At Change | 11.1% |
| Index | 1-Year CMT |
| Max Rate | 11.1% |
The 2026 property tax bill for 346 E School St was $2,656 with a homeowner's exemption.
Source: Steele County assessment roll, as of October 1, 2026
| Type | Name |
|---|---|
| State | Minnesota |
| County | Steele County |
| Municipality | Owatonna City |
| Unified School District | Owatonna Public School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $2,656.00 Homeowner's exemption | $207,100 (+4.12%) Land $37,700 Building $169,400 | $207,100 (+4.12%) Land $37,700 Building $169,400 |
| 2025 | $198,900 Land $36,300 Building $162,600 | $198,900 Land $36,300 Building $162,600 | |
| 2023 | $2,464.00 Homeowner's exemption | $176,100 Land $30,500 Building $145,600 | $176,100 Land $30,500 Building $145,600 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 346 E School St in Zone X, an area of minimal flood risk, though there have been 4 flood claims nearby since 2010.
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 (2010) |
| Claims Outside the SFHA | 3 of 4 |
| Most Recent Claim | Sep 2010 · Severe Storms And Flooding |
| Claims by Event |
|
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 346 E School 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.
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 |
| 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 439 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Metronet Fiber | 5,120 / 5,120 |
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| GigFire Fixed Wireless | 150 / 130 |
| Midco Fixed Wireless | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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