409 E Main St, Owatonna, MN 55060 Property Records

Steele County property record for 409 E Main St, Owatonna, MN 55060

Property Summary

Property Type	Single Family Home
Details	4 bd · 1 ba · 2,187 sqft · built 1910
Lot Size	0.2 acres (8,712 sqft)
Owner	Individual on Record
Last Sale	$145,000 (Nov 2017)
Tax Bill	$3,088 (2026)
Deeds & Mortgages	Jan 2022 Mortgage Apr 2017 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`17-103-0213`

Property Details

APN / Parcel Number

Primary APN	`17-103-0213`

Interior

Bedrooms	4 Beds
Full Baths	1 Bath
Total Rooms	11 Rooms
Stories	2 Stories
Building Area	2,187 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1910
Effective Year Built	Effective 1910
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	8,712 sqft (0.2 acres)
Garage Type	Detached
Garage Area	257 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	409 E MAIN ST
City	OWATONNA
State	MN
Zip	55060-3039
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	KELLY BLK 2 N132' OF LOT13 KELLY'S ADDITION
Legal Subdivision	KELLY
Legal Block	2
Jurisdiction	STEELE MN
Township / Civil Division	OWATONNA
Census Block Group	2
Census Block	2022
Census Tract	960200

Owner

Source: Steele County assessment roll, as of September 8, 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual on Record
Mailing Address	409 E MAIN ST, OWATONNA, MN 55060-3039
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 6, 2022	Deed of Trust, Mortgage · Stand-Alone First Mortgage HUD
Apr 27, 2017	Deed of Trust, Mortgage · Conventional Mortgage CITIZENS STATE BANK
Nov 1, 2017	Deed, Transfer · FHA Mortgage MORTGAGE LENDERS AMERICA LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 1, 2017 · Amount on Record
Deed Sale	Nov 1, 2017 · Amount on Record
Prior Sale	Jun 25, 2014 · Amount on Record
Deed Document Number	2017415592
Prior Transfer Date	Jan 21, 2010
Prior Transfer Doc	0000376963
Record Updated	Sep 20, 2026

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STEELE MN
Property Address	409 E MAIN ST, OWATONNA, MN 55060-3039
Transaction Type	Mortgage
Record Updated	Feb 2, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	A000440772
Date	Jan 6, 2022
Instrument	A000440772

Lender

Name	HUD
Type	Government Agency

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2051

Interest

Rate Type	Fixed Rate

April 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STEELE MN
Property Address	409 E MAIN ST, OWATONNA, MN 55060-3039
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	A000412682
Date	Apr 27, 2017
Instrument	A000412682

Lender

Name	CITIZENS STATE BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	84 Months
Due	Nov 1, 2017

Interest

Rate Type	Fixed Rate

November 2017: Deed, Transfer

Document Type	Deed
Jurisdiction	STEELE MN
Recording Date	Nov 1, 2017
Property Address	409 E MAIN ST, OWATONNA, MN 55060-3039
Document Number	A000415592
Instrument Date	Oct 27, 2017
Instrument	A000415592
Transaction Type	Transfer
Record Updated	Sep 10, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$478.50
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	409 E MAIN ST, OWATONNA, MN 55060-3039

Mortgage

Document Number	A000415593
Date	Nov 1, 2017
Instrument	A000415593

Lender

Name	MORTGAGE LENDERS AMERICA LLC

Agreement

Type	FHA Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

Source: Steele County assessment roll, as of September 8, 2025

Property Jurisdictions

Type	Name
State	Minnesota
County	Steele County
Municipality	Owatonna City
Unified School District	Owatonna Public School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$3,088.00 (+3.83%)
2025		$225,800 (+14.27%) Land $31,400 Building $194,400	$225,800 (+14.27%) Land $31,400 Building $194,400
2023	$2,974.00 Homeowner's exemption	$197,600 Land $25,500 Building $172,100	$197,600 Land $25,500 Building $172,100

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, 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	Severe Storms And Flooding, Sep 2010 · 4 claims

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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 97% of the US · lower than 89% 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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

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

409 E Main St, Owatonna, MN 55060 Property Records

Property Summary

Property Details

APN / Parcel Number

Interior

Exterior

Utilities, Heating & Cooling

Location & Zoning

Owner

Deeds, Mortgages & Sale History

Assessor's Deed Record

January 2022: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

Interest

April 2017: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

Interest

November 2017: Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

Interest

Tax Assessment & Valuation

Property Jurisdictions

Tax Bill & Assessment History

Flood

Wildfire

Drinking Water

Violations Reported to EPA

Internet Providers

Nearby Properties on E Main St

Nearby Streets

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