407 E Howard St, Winona, MN 55987 Property Records

Winona County property record for 407 E Howard St, Winona, MN 55987

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 940 sqft · built 1890
Lot Size	0.16 acres (6,970 sqft)
Owner	Individual Name on Record
Tax Bill	$1,588 (2026)
Deeds & Mortgages	Sep 2025 Line of Credit Feb 2020 Line of Credit
APN	`32.485.0030`

Property Details

APN / Parcel Number

Primary APN	`32.485.0030`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	940 sqft Living Area
1st Floor Area	940 sqft
Flooring	Laminate Plank
Interior Walls	Plaster

Exterior

Year Built	Built 1890
Effective Year Built	Effective 1992
Architectural Style	Ranch
Exterior Material	Wood
Construction Type	Wood
Roof Type	Hip
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	260 sqft
Porch	Porch
Porch Area	88 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	407 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-005 BLOCK-019
Legal Range	007
Legal Township	107
Legal Section	26
Legal Subdivision	SMITHS ADDITION
Legal Block	19
Legal Lot Number	5
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	Individual Name on Record
Mailing Address	407 E HOWARD ST, WINONA, MN 55987-4018
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 9, 2025	Deed of Trust, Mortgage · Line of Credit ALTRA FCU
Feb 12, 2020	Deed of Trust, Mortgage · Line of Credit ALTRA FCU

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Nov 7, 2014
Transfer Doc	0000584582
Record Updated	Oct 29, 2026

September 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINONA MN
Property Address	407 E HOWARD ST, WINONA, MN 55987-4018
Transaction Type	Mortgage
Record Updated	Oct 23, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	407 E HOWARD ST, WINONA, MN 55987-4018

Mortgage

Document Number	000A662644
Date	Sep 9, 2025
Instrument	A662644

Lender

Name	ALTRA FCU
Type	Credit Union
Address	ONALASKA, WI 54650

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINONA MN
Property Address	407 E HOWARD ST, WINONA, MN 55987-4018
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	622627
Date	Feb 12, 2020
Instrument	622627

Lender

Name	ALTRA FCU
Type	Credit Union
Address	ONALASKA, WI 54650

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Feb 11, 2050

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

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	$1,588.00 (+18.33%) Homeowner's exemption	$185,200 (+15.39%) Land $40,600 Building $144,600	$185,200 (+15.39%) Land $40,600 Building $144,600
2025		$160,500 (+5.8%) Land $40,600 Building $119,900	$160,500 (+5.8%) Land $40,600 Building $119,900
2023	$1,342.00 Homeowner's exemption	$151,700 Land $39,000 Building $112,700	$151,700 Land $39,000 Building $112,700

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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