Steele County property record for 405 E Rose St, Owatonna, MN 55060
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,758 sqft · built 1948 |
| Lot Size | 0.2 acres (8,712 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $127,000 (Aug 2017) |
| Tax Bill | $2,792 (2026) |
| Deeds & Mortgages | Jul 2023 Mortgage Dec 2022 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 17-010-3102 |
| Primary APN | 17-010-3102 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 9 Rooms |
| Stories | 1 Story |
| Building Area | 1,758 sqft Living Area |
| Basement Area | 208 sqft |
| Finished Basement | 208 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1948 |
|---|---|
| Effective Year Built | Effective 1948 |
| Exterior Material | Metal |
| Foundation Type | Concrete |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 8,712 sqft (0.2 acres) |
| Garage Type | Detached |
| Garage Area | 484 sqft |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 405 E ROSE ST |
|---|---|
| City | OWATONNA |
| State | MN |
| Zip | 55060-2539 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | COM. 4R.E. OF NE COR. L.14 B.3 E. ABBOTTS 2ND ADD. E.132'-S.66'-W.132' N.66' |
| Legal Range | 20 |
| Legal Township | 107 |
| Legal Section | 10 |
| Legal Subdivision | ABBOTTS 2ND ADD |
| Jurisdiction | STEELE MN |
| Township / Civil Division | OWATONNA |
| Census Block Group | 2 |
| Census Block | 2006 |
| Census Tract | 960200 |
Source: Steele County records, as of October 1, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 405 E ROSE ST, OWATONNA, MN 55060-2539 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jul 31, 2023 | Deed of Trust, Mortgage HUD |
| Dec 15, 2022 | Deed of Trust, Mortgage HUD |
| Aug 22, 2017 | Deed, Transfer · FHA Mortgage PACIFIC UNION FINANCIAL LLC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 22, 2017 · Amount on Record |
| Deed Sale | Aug 22, 2017 · Amount on Record |
| Prior Sale | Aug 29, 2006 · Amount on Record |
| Deed Document Number | 2017414420 |
| Prior Transfer Date | Jan 27, 2014 |
| Prior Transfer Doc | 0000395620 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | STEELE MN |
| Property Address | 405 E ROSE ST, OWATONNA, MN 55060-2539 |
| Transaction Type | Mortgage |
| Record Updated | Aug 24, 2023 |
| Name | Verified Name |
|---|
| Document Number | A000449128 |
|---|---|
| Date | Jul 31, 2023 |
| Instrument | A000449128 |
| Name | HUD |
|---|---|
| Type | Government Agency |
| Amount | Amount Recorded |
|---|---|
| Term | 300 Months |
| Due | Sep 1, 2047 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | STEELE MN |
| Property Address | 405 E ROSE ST, OWATONNA, MN 55060-2539 |
| Transaction Type | Mortgage |
| Record Updated | Jan 4, 2023 |
| Name | Verified Name |
|---|
| Document Number | A000445737 |
|---|---|
| Date | Dec 15, 2022 |
| Instrument | A000445737 |
| Name | HUD |
|---|---|
| Type | Government Agency |
| Amount | Amount Recorded |
|---|---|
| Term | 300 Months |
| Due | Sep 1, 2047 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed |
|---|---|
| Jurisdiction | STEELE MN |
| Recording Date | Aug 22, 2017 |
| Property Address | 405 E ROSE ST, OWATONNA, MN 55060-2539 |
| Document Number | A000414420 |
| Instrument Date | Aug 21, 2017 |
| Instrument | A000414420 |
| Transaction Type | Transfer |
| Record Updated | Sep 10, 2021 |
| Title Company | NORTH AMERICAN TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $419.10 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 405 E ROSE ST, OWATONNA, MN 55060-2539 |
| Document Number | A000414421 |
|---|---|
| Date | Aug 22, 2017 |
| Instrument | A000414421 |
| Name | PACIFIC UNION FINANCIAL LLC |
|---|
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Fixed Rate |
|---|
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 | $2,792.00 (+11.59%) Homeowner's exemption | $220,800 (+6.46%) Land $32,000 Building $188,800 | $220,800 (+6.46%) Land $32,000 Building $188,800 |
| 2025 | $207,400 (+14.52%) Land $31,400 Building $176,000 | $207,400 (+14.52%) Land $31,400 Building $176,000 | |
| 2023 | $2,502.00 Homeowner's exemption | $181,100 Land $25,500 Building $155,600 | $181,100 Land $25,500 Building $155,600 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
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 458 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 |
| 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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