403 E Howard St, Winona, MN 55987 Property Records

Winona County property record for 403 E Howard St, Winona, MN 55987

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,895 sqft · built 1895
Lot Size	0.097 acres (4,225 sqft)
Owner	2 Individual Names on Record
Tax Bill	$1,896 (2026)
Deeds & Mortgages	Jun 2026 Mortgage Nov 2022 Mortgage + 2 more
APN	`32.485.0040`

Property Details

APN / Parcel Number

Primary APN	`32.485.0040`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,895 sqft Living Area
1st Floor Area	655 sqft
Basement Area	384 sqft
Unfinished Basement	384 sqft
Flooring	Carpet
Interior Walls	Plaster

Exterior

Year Built	Built 1895
Effective Year Built	Effective 1987
Architectural Style	Ranch
Exterior Material	Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	4,225 sqft (0.097 acres)
Lot Dimensions	85 ft deep x 50 ft wide

Exterior Amenities

Porch	Open Porch
Porch Area	217 sqft
Deck Area	120 sqft
Shed	1 Shed
Shed Area	80 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	403 E HOWARD ST
City	WINONA
State	MN
Zip	55987-4018
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SECT-26 TWP-107 RANGE-007 SMITHS ADDITION LOT-006 BLOCK-019 NLY 85'
Legal Range	007
Legal Township	107
Legal Section	26
Legal Subdivision	SMITHS ADDITION
Legal Block	19
Legal Lot Number	6
Jurisdiction	WINONA MN
Township / Civil Division	WINONA
Census Block Group	2
Census Block	2025
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	403 E HOWARD ST, WINONA, MN 55987-4018
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 15, 2026	Deed of Trust, Mortgage · Conventional Mortgage ALTRA FEDERAL CREDIT UNION
Nov 23, 2022	Deed of Trust, Mortgage · Commercial Mortgage ALTRA FCU
Oct 9, 2020	Deed of Trust, Mortgage ALTRA FCU
May 25, 2018	Deed of Trust, Mortgage ALTRA FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 17, 2014
Deed Sale	Jan 17, 2014
Deed Document Number	2014579271
Record Updated	Oct 29, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINONA MN
Recording Date	Jun 15, 2026
Property Address	403 E HOWARD ST, WINONA, MN 55987-4018
Document Number	0000667260
Instrument Date	Jun 9, 2026
Instrument	2026667260
Transaction Type	Mortgage
Record Updated	Aug 18, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants, 205
Address	403 E HOWARD ST, WINONA, MN 55987-4018

Mortgage

Document Number	0000667260,
Date	Jun 15, 2026
Instrument	2026667260

Lender

Name	ALTRA FEDERAL CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	84 Months
Due	Jun 30, 2033

Interest

Rate	6.36%
Max Rate	-1%

November 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINONA MN
Property Address	403 E HOWARD ST, WINONA, MN 55987-4018
Transaction Type	Mortgage
Record Updated	Dec 20, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	403 E HOWARD ST, WINONA, MN 55987-4018

Mortgage

Document Number	000A646342
Date	Nov 23, 2022
Instrument	A646342

Lender

Name	ALTRA FCU
Type	Credit Union
Address	ONALASKA, WI 54650

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	85 Months
Due	Dec 6, 2029

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINONA MN
Property Address	403 E HOWARD ST, WINONA, MN 55987-4018
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	403 E HOWARD ST, WINONA, MN 55987-4018

Mortgage

Document Number	628034
Date	Oct 9, 2020
Instrument	628034

Lender

Name	ALTRA FCU
Type	Credit Union
Address	ONALASKA, WI 54650

Agreement

Amount	Amount Recorded
Term	120 Months
Due	Oct 15, 2030

May 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINONA MN
Property Address	403 E HOWARD ST, WINONA, MN 55987-4018
Transaction Type	Mortgage
Record Updated	Aug 14, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	610263
Date	May 25, 2018
Instrument	610263

Lender

Name	ALTRA FCU
Type	Credit Union
Address	ONALASKA, WI 54650

Agreement

Amount	Amount Recorded
Term	120 Months
Due	May 15, 2028

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	$1,896.00 (+17.47%) Homeowner's exemption	$226,800 (+22.93%) Land $31,100 Building $195,700	$226,800 (+22.93%) Land $31,100 Building $195,700
2025		$184,500 (+5.37%) Land $31,100 Building $153,400	$184,500 (+5.37%) Land $31,100 Building $153,400
2023	$1,614.00 Homeowner's exemption	$175,100 Land $29,900 Building $145,200	$175,100 Land $29,900 Building $145,200

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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