352 W 4th St, Winona, MN 55987 Property Records

Winona County property record for 352 W 4th St, Winona, MN 55987

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,918 sqft · built 1882
Lot Size	0.124 acres (5,401 sqft)
Owner	2 Individual Names on File
Last Sale	$225,000 (Sep 2025)
Tax Bill	$2,276 (2026)
Deeds & Mortgages	Apr 2022 Line of Credit Sep 2025 Sale & Mortgage + 1 more
APN	`32.000.5140`

Property Details

APN / Parcel Number

Primary APN	`32.000.5140`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,918 sqft Living Area
1st Floor Area	989 sqft
Flooring	Wood
Interior Walls	Plaster

Exterior

Year Built	Built 1882
Effective Year Built	Effective 1989
Exterior Material	Other
Foundation Type	Stone
Roof Type	Gable
Roof Material	Asphalt
Lot Area	5,401 sqft (0.124 acres)
Lot Dimensions	90 ft deep x 60 ft wide
Garage Type	Detached
Garage Area	264 sqft
Porch	Porch
Porch Area	508 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	352 W 4TH ST
City	WINONA
State	MN
Zip	55987-2804
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SECT-22 TWP-107 RANGE-007 ORIGINAL PLAT LOT-008 BLOCK-085 ORIGINAL PLAT PARCEL 60' X 90' IN LOTS 8 & 9
Legal Range	007
Legal Township	107
Legal Section	22
Legal Subdivision	ORIGINAL PLAT
Legal Block	85
Legal Lot Number	8-9
Jurisdiction	WINONA MN
Township / Civil Division	WINONA
Census Block Group	4
Census Block	4012
Census Tract	670500

Owner

Source: Winona County records, as of October 9, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on File
Mailing Address	352 W 4TH ST, WINONA, MN 55987-2804
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Apr 18, 2022	Deed of Trust, Mortgage · Line of Credit MERCHANTS BANK
Sep 16, 2025	Warranty Deed, Transfer · Conventional Mortgage MERCHANTS BANK NA
Aug 11, 2022	Warranty Deed, Transfer · Conventional Mortgage MERCHANTS BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 16, 2025 · Amount on File
Deed Sale	Sep 16, 2025 · Amount on File
Prior Sale	Dec 6, 2023 · Amount on File
Deed Document Number	2025662736
Record Updated	Oct 29, 2026

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINONA MN
Property Address	352 W 4TH ST, WINONA, MN 55987-2804
Transaction Type	Mortgage
Record Updated	Oct 30, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	352 W 4TH ST, WINONA, MN 55987-2804

Mortgage

Document Number	000A642160
Date	Apr 18, 2022
Instrument	A642160

Lender

Name	MERCHANTS BANK
Type	Bank
Address	WINONA, MN 55987

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Apr 18, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WINONA MN
Recording Date	Sep 16, 2025
Property Address	352 W 4TH ST, WINONA, MN 55987-2804
Document Number	000A662736
Instrument Date	Sep 15, 2025
Instrument	A662736
Transaction Type	Transfer
Record Updated	Oct 30, 2025
Title Company	TOWN N COUNTRY TITLE LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$742.50
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	352 W 4TH ST, WINONA, MN 55987-2804

Mortgage

Document Number	000A662737
Date	Sep 16, 2025
Instrument	A662737

Lender

Name	MERCHANTS BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2055

August 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WINONA MN
Recording Date	Aug 11, 2022
Property Address	352 W 4TH ST, WINONA, MN 55987-2804
Document Number	000A644541
Instrument Date	Aug 10, 2022
Instrument	A644541
Transaction Type	Transfer
Record Updated	Aug 29, 2022
Title Company	RIVER VALLEY TITLE GROUP LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$528.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	352 W 4TH ST, WINONA, MN 55987-2804

Mortgage

Document Number	000A644542
Date	Aug 11, 2022
Instrument	A644542

Lender

Name	MERCHANTS BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2052

Tax Assessment & Valuation

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	$2,276.00 (+5.76%) Homeowner's exemption	$227,500 (+6.11%) Land $37,000 Building $190,500	$227,500 (+6.11%) Land $37,000 Building $190,500
2025	$2,152.00 (+48.62%) Homeowner's exemption	$214,400 (+34.42%) Land $37,000 Building $177,400	$214,400 (+34.42%) Land $37,000 Building $177,400
2023	$1,448.00 Homeowner's exemption	$159,500 Land $35,600 Building $123,900	$159,500 Land $35,600 Building $123,900

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 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Not on file
Nearby Flood Policies	1 in force
Nearby Flood Claims	2 (2001–2011)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Mar 2011 · Severe Storms And 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

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

Wildfire Risk	Not rated no burnable land within 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 589 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Hiawatha Broadband Communications Cable · Fiber in parts of the area	1,000 / 30
AT&T Fixed Wireless	100 / 20

May also be available: GigFire, Verizon.

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