418 E Howard St, Winona, MN 55987 Property Records

Winona County property record for 418 E Howard St, Winona, MN 55987

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,144 sqft · built 1923
Lot Size	0.16 acres (6,970 sqft)
Owner	2 Individual Names on Record
Last Sale	$211,251 (Jul 2025)
Tax Bill	$1,600 (2026)
Deeds & Mortgages	Jul 2025 Sale & Mortgage Apr 2018 Sale & Mortgage
APN	`32.400.2080`

Property Details

APN / Parcel Number

Primary APN	`32.400.2080`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,144 sqft Living Area
1st Floor Area	1,040 sqft
Attic	Attic
Attic Area	1,040 sqft
Flooring	Carpet
Interior Walls	Plaster

Exterior

Year Built	Built 1923
Effective Year Built	Effective 1988
Exterior Material	Vinyl
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	252 sqft
Porch	Porch
Porch Area	208 sqft

Utilities, Heating & Cooling

Cooling System	None
Heating System	Forced Air with A/C

Location & Zoning

Street Address	418 E HOWARD ST
City	WINONA
State	MN
Zip	55987-4017
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SECT-26 TWP-107 RANGE-007 PLUMERS ADDITION LOT-010 BLOCK-018 FRAC LOT 10 BLK 18 SEE LOT 10 BLK 18
Legal Range	007
Legal Township	107
Legal Section	26
Legal Subdivision	PLUMERS ADDITION
Legal Block	18
Legal Lot Number	10
Jurisdiction	WINONA MN
Township / Civil Division	WINONA
Census Block Group	2
Census Block	2024
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	2 Individual Names on Record
Mailing Address	418 E HOWARD ST, WINONA, MN 55987-4017
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Jul 31, 2025	Warranty Deed, Transfer · Conventional Mortgage MERCHANTS BANK NA
Apr 10, 2018	Warranty Deed, Transfer · Conventional Mortgage AFFINITY PLUS FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 31, 2025 · Amount on Record
Deed Sale	Jul 31, 2025 · Amount on Record
Prior Sale	Apr 10, 2018 · Amount on Record
Deed Document Number	2025661955
Record Updated	Oct 29, 2026

July 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WINONA MN
Recording Date	Jul 31, 2025
Property Address	418 E HOWARD ST, WINONA, MN 55987-4017
Document Number	000A661955
Instrument Date	Jul 31, 2025
Instrument	A661955
Transaction Type	Transfer
Record Updated	Oct 13, 2025
Title Company	HOMESTEAD TITLE COMPANY, HOMESTEAD TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$697.13
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	418 E HOWARD ST, WINONA, MN 55987-4017

Mortgage

Document Number	000A661956
Date	Jul 31, 2025
Instrument	A661956

Lender

Name	MERCHANTS BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2055

April 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WINONA MN
Recording Date	Apr 10, 2018
Property Address	418 E HOWARD ST, WINONA, MN 55987-4017
Document Number	609335
Instrument Date	Mar 30, 2018
Instrument	609335
Transaction Type	Transfer
Record Updated	Jun 22, 2021
Title Company	MINNESOTA SECURED TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$349.80
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	418 E HOWARD ST, WINONA, MN 55987-4017

Mortgage

Document Number	609336
Date	Apr 10, 2018
Instrument	609336

Lender

Name	AFFINITY PLUS FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 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	$1,600.00 (+6.38%) Homeowner's exemption	$205,100 (+27.08%) Land $40,600 Building $164,500	$205,100 (+27.08%) Land $40,600 Building $164,500
2025	$1,504.00 (+10.1%) Homeowner's exemption	$161,400 (+5.08%) Land $40,600 Building $120,800	$161,400 (+5.08%) Land $40,600 Building $120,800
2023	$1,366.00 Homeowner's exemption	$153,600 Land $39,000 Building $114,600	$153,600 Land $39,000 Building $114,600

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 95% of the US · lower than 84% 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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