412 Wilson St, Winona, MN 55987 Property Records

Winona County property record for 412 Wilson St, Winona, MN 55987

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,421 sqft · built 1933
Lot Size	0.135 acres (5,881 sqft)
Owner	Individual Name on Record
Last Sale	$137,000 (Jun 2018)
Tax Bill	$1,932 (2026)
Deeds & Mortgages	Jul 2018 Line of Credit Aug 2019 Mortgage + 1 more
APN	`32.000.8640`

Property Details

APN / Parcel Number

Primary APN	`32.000.8640`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,421 sqft Living Area
1st Floor Area	868 sqft
Basement Area	95 sqft
Finished Basement	95 sqft
Flooring	Laminate Plank
Interior Walls	Plaster

Exterior

Year Built	Built 1933
Effective Year Built	Effective 1992
Exterior Material	Wood
Construction Type	Wood
Roof Type	Gable
Roof Material	Asphalt
Lot Area	5,881 sqft (0.135 acres)
Lot Dimensions	120 ft deep x 49 ft wide
Garage Type	Detached
Garage Area	448 sqft
Porch	Porch
Porch Area	30 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	412 WILSON ST
City	WINONA
State	MN
Zip	55987-2946
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SECT-22 TWP-107 RANGE-007 ORIGINAL PLAT LOT-003 BLOCK-132 ORIGINAL PLAT SLY 20' OF WLY 120' LOT 3 & NLY 28 2/3 OF WLY 120'
Legal Range	007
Legal Township	107
Legal Section	22
Legal Subdivision	ORIGINAL PLAT
Legal Block	132
Legal Lot Number	3,6
Jurisdiction	WINONA MN
Township / Civil Division	WINONA
Census Block Group	5
Census Block	5009
Census Tract	670500

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	412 WILSON ST, WINONA, MN 55987-2946
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 2, 2018	Deed of Trust, Mortgage · Line of Credit MERCHANTS BANK NA
Aug 13, 2019	Deed of Trust, Mortgage · Conventional Mortgage MERCHANTS BANK NA
Jun 8, 2018	Warranty Deed, Transfer · Conventional Mortgage MERCHANTS BANK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 8, 2018 · Amount on Record
Deed Sale	Jun 8, 2018 · Amount on Record
Prior Sale	May 31, 2018 · Amount on Record
Deed Document Number	2018610571
Record Updated	Oct 29, 2026

July 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINONA MN
Property Address	412 WILSON ST, WINONA, MN 55987-2946
Transaction Type	Mortgage
Record Updated	Feb 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	611053
Date	Jul 2, 2018
Instrument	611053

Lender

Name	MERCHANTS BANK NA
Type	Bank
Address	WINONA, MN 55987

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	359 Months
Due	Jun 19, 2048

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINONA MN
Property Address	412 WILSON ST, WINONA, MN 55987-2946
Transaction Type	Mortgage
Record Updated	Sep 2, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	618580
Date	Aug 13, 2019
Instrument	618580

Lender

Name	MERCHANTS BANK NA
Type	Bank
Address	WINONA, MN 55987

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	3 Months
Due	Sep 1, 2049

June 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WINONA MN
Recording Date	Jun 8, 2018
Property Address	412 WILSON ST, WINONA, MN 55987-2946
Document Number	610571
Instrument Date	May 31, 2018
Instrument	610571
Transaction Type	Transfer
Record Updated	Jun 22, 2021
Title Company	ROCHESTER TITLE AND ESCROW COMPANY, ROCHESTER TITLE & ESCROW COM

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$452.10
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	412 WILSON ST, WINONA, MN 55987-2946

Mortgage

Document Number	610572
Date	Jun 8, 2018
Instrument	610572

Lender

Name	MERCHANTS BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2048

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	$1,932.00 (+18.82%) Homeowner's exemption	$198,300 (+5.82%) Land $37,300 Building $161,000	$198,300 (+5.82%) Land $37,300 Building $161,000
2025		$187,400 (+5.88%) Land $37,300 Building $150,100	$187,400 (+5.88%) Land $37,300 Building $150,100
2023	$1,626.00 Homeowner's exemption	$177,000 Land $35,700 Building $141,300	$177,000 Land $35,700 Building $141,300

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 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Not on file
Nearby Flood Policies	3 in force
Nearby Flood Claims	2 (1978–2007)
Most Recent Claim	Aug 2007 · Severe Storms And Flooding

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 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 589 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Hiawatha Broadband Communications Cable · Fiber in parts of the area	1,000 / 30
AT&T Fixed Wireless	100 / 20

May also be available: GigFire, Verizon.

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