Steele County property record for 407 E Academy St, Owatonna, MN 55060
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,335 sqft · built 1940 |
| Lot Size | 0.162 acres (7,057 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $132,000 (May 2018) |
| Tax Bill | $2,354 (2026) |
| Deeds & Mortgages | Oct 2018 Mortgage Sep 2018 Sale + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 17-010-3226 |
| Primary APN | 17-010-3226 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 8 Rooms |
| Stories | 1 Story |
| Building Area | 1,335 sqft Living Area |
| Year Built | Built 1940 |
|---|---|
| Effective Year Built | Effective 1940 |
| Exterior Material | Metal |
| Foundation Type | Concrete |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 7,057 sqft (0.162 acres) |
| Garage Type | Detached |
| Garage Area | 449 sqft |
| Parking Spaces | 2 Parking Spaces |
| Heating System | Forced Air with A/C |
|---|
| Street Address | 407 E ACADEMY ST |
|---|---|
| City | OWATONNA |
| State | MN |
| Zip | 55060-3019 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | E3 1/4R OF N8R OF L5 IN SE1/4 OF SW1/4 OWA CITY |
| 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 |
407 E Academy St is owned and occupied by two individuals who bought it in May 2018.
Source: Steele County records, as of October 1, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 407 E ACADEMY ST, OWATONNA, MN 55060-3019 |
| 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.
| Date | Document |
|---|---|
| Oct 29, 2018 | Deed of Trust, Mortgage · Conventional Mortgage AMERICAN MTG & EQUITY CONSULT |
| Sep 12, 2018 | Warranty Deed, Transfer GIBRALTER TITLE |
| May 14, 2018 | Deed, Transfer · Conventional Mortgage AMERICAN MTG & EQUITY CONSULT |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 14, 2018 · Amount on File |
| Deed Sale | May 14, 2018 · Amount on File |
| Prior Sale | Jan 8, 2008 · Amount on File |
| Deed Document Number | 2018418171 |
| Prior Transfer Date | Dec 7, 2007 |
| Prior Transfer Doc | 0000354589 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | STEELE MN |
| Property Address | 407 E ACADEMY ST, OWATONNA, MN 55060-3019 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | GIBRALTER TITLE, GIBRALTAR TITLE |
| Name | Verified Name |
|---|
| Document Number | A000420855 |
|---|---|
| Date | Oct 29, 2018 |
| Instrument | A000420855 |
| Name | AMERICAN MTG & EQUITY CONSULT |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | May 1, 2048 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | STEELE MN |
| Recording Date | Sep 12, 2018 |
| Property Address | 407 E ACADEMY ST, OWATONNA, MN 55060-3019 |
| Document Number | A000420179 |
| Instrument Date | Aug 21, 2018 |
| Instrument | A000420179 |
| Transaction Type | Transfer |
| Record Updated | Sep 10, 2021 |
| Title Company | GIBRALTER TITLE |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 407 E ACADEMY ST, OWATONNA, MN 55060-3019 |
| Document Type | Deed |
|---|---|
| Jurisdiction | STEELE MN |
| Recording Date | May 14, 2018 |
| Property Address | 407 E ACADEMY ST, OWATONNA, MN 55060-3019 |
| Document Number | A000418171 |
| Instrument Date | May 1, 2018 |
| Instrument | A000418171 |
| Transaction Type | Transfer |
| Record Updated | Sep 10, 2021 |
| Title Company | NORTH AMERICAN TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $435.60 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 407 E ACADEMY ST, OWATONNA, MN 55060-3019 |
| Document Number | A000418172 |
|---|---|
| Date | May 14, 2018 |
| Instrument | A000418172 |
| Name | AMERICAN MTG & EQUITY CONSULT |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Rate Type | Fixed Rate |
|---|
The 2026 property tax bill for 407 E Academy St was $2,354 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 | $2,354.00 Homeowner's exemption | $187,700 (+4.22%) Land $27,800 Building $159,900 | $187,700 (+4.22%) Land $27,800 Building $159,900 |
| 2025 | $180,100 Land $26,700 Building $153,400 | $180,100 Land $26,700 Building $153,400 | |
| 2023 | $2,264.00 Homeowner's exemption | $166,100 Land $22,500 Building $143,600 | $166,100 Land $22,500 Building $143,600 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 407 E Academy 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 407 E Academy 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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