377 E Howard St, Winona, MN 55987 Property Records

Winona County property record for 377 E Howard St, Winona, MN 55987

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,760 sqft · built 1885
Lot Size	0.16 acres (6,970 sqft)
Owner	2 Individual Names on Record
Tax Bill	$2,516 (2026)
Deeds & Mortgages	Aug 2020 Mortgage Dec 2020 Line of Credit + 1 more
APN	`32.485.0140`

Property Details

APN / Parcel Number

Primary APN	`32.485.0140`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	1,760 sqft Living Area
1st Floor Area	704 sqft
Flooring	Carpet
Interior Walls	Paneling

Exterior

Year Built	Built 1885
Effective Year Built	Effective 1992
Exterior Material	Fiber Cement Siding
Construction Type	Concrete
Roof Type	Gable
Roof Material	Asphalt
Lot Area	6,970 sqft (0.16 acres)
Lot Dimensions	140 ft deep x 50 ft wide
Garage Type	Detached
Garage Area	728 sqft
Porch	Open Porch
Porch Area	240 sqft
Patio Area	210 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	377 E HOWARD ST
City	WINONA
State	MN
Zip	55987-4016
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SECT-26 TWP-107 RANGE-007 SMITHS ADDITION LOT-001 BLOCK-020
Legal Range	007
Legal Township	107
Legal Section	26
Legal Subdivision	SMITHS ADDITION
Legal Block	20
Legal Lot Number	1
Jurisdiction	WINONA MN
Township / Civil Division	WINONA
Census Block Group	2
Census Block	2026
Census Tract	670600

Owner

Source: Winona County records, as of September 4, 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	377 E HOWARD ST, WINONA, MN 55987-4016
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 12, 2020	Deed of Trust, Mortgage · Conventional Mortgage MERCHANTS BANK NA
Dec 1, 2020	Deed of Trust, Mortgage · Line of Credit MERCHANTS BANK NA
Apr 5, 2022	Transfer on Death Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Apr 5, 2022
Transfer Doc	000A641868
Record Updated	Oct 29, 2026

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINONA MN
Property Address	377 E HOWARD ST, WINONA, MN 55987-4016
Transaction Type	Mortgage
Record Updated	Mar 9, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000626562
Date	Aug 12, 2020
Instrument	626562

Lender

Name	MERCHANTS BANK NA
Type	Bank
Address	WINONA, MN 55987

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Sep 1, 2035

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINONA MN
Property Address	377 E HOWARD ST, WINONA, MN 55987-4016
Transaction Type	Mortgage
Record Updated	Mar 9, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	377 E HOWARD ST, WINONA, MN 55987-4016

Mortgage

Document Number	0000629362
Date	Dec 1, 2020
Instrument	629362

Lender

Name	MERCHANTS BANK NA
Type	Bank
Address	WINONA, MN 55987

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Dec 1, 2050

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2022: Transfer on Death Deed, Transfer

Document Type	Transfer on Death Deed
Jurisdiction	WINONA MN
Recording Date	Apr 5, 2022
Property Address	377 E HOWARD ST, WINONA, MN 55987-4016
Document Number	000A641868
Instrument Date	Mar 31, 2022
Instrument	A641868
Transaction Type	Transfer
Record Updated	Mar 9, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	377 E HOWARD ST, WINONA, MN 55987-4016

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	$2,516.00 (+19.24%) Homeowner's exemption	$275,500 (+18.14%) Land $40,600 Building $234,900	$275,500 (+18.14%) Land $40,600 Building $234,900
2025		$233,200 (+5.42%) Land $40,600 Building $192,600	$233,200 (+5.42%) Land $40,600 Building $192,600
2023	$2,110.00 Homeowner's exemption	$221,200 Land $39,000 Building $182,200	$221,200 Land $39,000 Building $182,200

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

FEMA Flood Zone	Not on file

Values are read at the parcel center point; 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 80% of the US · lower than 60% of Minnesota
Wildfire Likelihood	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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