415 E Main St, Owatonna, MN 55060 Property Records

Steele County property record for 415 E Main St, Owatonna, MN 55060 · Last verified August 2026

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,538 sqft · built 1901
Lot Size	0.171 acres (7,449 sqft)
Owner	Individual Name on File
Last Sale	$160,000 (Mar 2023)
Tax Bill	$2,954 (2026)
Deeds & Mortgages	Mar 2023 Sale & Mortgage Dec 2017 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`17-115-0110`

Property Details

APN / Parcel Number

Primary APN	`17-115-0110`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	1,538 sqft Living Area
Basement Area	288 sqft
Finished Basement	288 sqft

Exterior

Year Built	Built 1901
Effective Year Built	Effective 1901
Exterior Material	Metal
Roof Type	Gable
Roof Material	Asphalt
Lot Area	7,449 sqft (0.171 acres)
Garage Type	Detached
Garage Area	407 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Hot Water

Location & Zoning

Street Address	415 E MAIN ST
City	OWATONNA
State	MN
Zip	55060-3039
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BLK.1 W1/2 OF LOT 9 KELLYS 2ND
Legal Subdivision	KELLYS 2ND ADD
Legal Block	1
Legal Lot Number	9
Jurisdiction	STEELE MN
Township / Civil Division	OWATONNA
Census Block Group	2
Census Block	2022
Census Tract	960200

Owner

Source: Steele County records · APN 17-115-0110

Assessment roll updated September 8, 2025 · Last verified August 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 File
Mailing Address	415 E MAIN ST, OWATONNA, MN 55060-3039
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 07, 2023	Warranty Deed, Transfer · Conventional Mortgage GUARANTEED RATE INC
Dec 07, 2017	Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT COM LLC
May 03, 2021	Deed of Trust, Mortgage · VA Mortgage LOAN DEPOT INC

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Mar 06, 2023 · Amount on Record
Deed Sale	Mar 06, 2023 · Amount on Record
Prior Sale	Jul 30, 2014 · Amount on Record
Deed Document Number	20231516485
Record Updated	Sep 20, 2026

March 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	STEELE MN
Recording Date	Mar 07, 2023
Property Address	415 E MAIN ST, OWATONNA, MN 55060-3039
Document Number	A000446629
Instrument Date	Mar 06, 2023
Instrument	A000446629
Transaction Type	Transfer
Record Updated	Mar 22, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$528.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	415 E MAIN ST, OWATONNA, MN 55060-3039

Mortgage

Document Number	A000446630
Date	Mar 07, 2023
Instrument	A000446630

Lender

Name	GUARANTEED RATE INC
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 01, 2053

December 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STEELE MN
Property Address	415 E MAIN ST, OWATONNA, MN 55060-3039
Transaction Type	Mortgage
Record Updated	May 11, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	A000416115
Date	Dec 07, 2017
Instrument	A000416115

Lender

Name	LOANDEPOT COM LLC
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	372 Months
Due	Jan 01, 2048

Interest

Rate Type	Fixed Rate

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STEELE MN
Property Address	415 E MAIN ST, OWATONNA, MN 55060-3039
Transaction Type	Mortgage
Record Updated	May 11, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	A000435866
Date	May 03, 2021
Instrument	A000435866

Lender

Name	LOAN DEPOT INC
Type	Funding / Finance Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 01, 2051

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

Source: Steele County records · Assessment roll updated September 8, 2025 · Last verified August 2026

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

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$2,954.00 (+590.19%)
2025		$217,500 (+20.3%) Land $26,600 Building $190,900	$217,500 (+20.3%) Land $26,600 Building $190,900
2023	$428.00 Homeowner's exemption	$180,800 Land $21,700 Building $159,100	$180,800 Land $21,700 Building $159,100

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Steele County (27147C), updated November 11, 2014 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 271479602002, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Nearby Flood Claims	4 (2010)
Claims Outside the SFHA	3 of 4
Most Recent Claim	Sep 2010, rainfall accumulation, Severe Storms And Flooding
Claims By Storm	Severe Storms And Flooding, Sep 2010 · 4 claims

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 458 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Metronet Holdings	Fiber	5,120 / 5,120
Spectrum	Cable	1,000 / 1,000
Verizon	Fixed Wireless	300 / 20
LTD Broadband	Fixed Wireless (licensed-by-rule)	150 / 130
Midcontinent Communications	Fixed Wireless	100 / 20
T-Mobile USA	Fixed Wireless	100 / 20

Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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