421 E Main St, Owatonna, MN 55060 Property Records

Steele County property record for 421 E Main St, Owatonna, MN 55060 · Last verified August 2026

Property Summary

Property Type	Single Family Home
Details	5 bd · 2 ba · 1,601 sqft · built 1890
Lot Size	0.179 acres (7,797 sqft)
Owner	Individual Name on File
Last Sale	$170,000 (Aug 2018)
Tax Bill	$4,208 (2026)
Deeds & Mortgages	Jul 2019 Mortgage Aug 2018 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`17-115-0109`

Property Details

APN / Parcel Number

Primary APN	`17-115-0109`

Interior

Bedrooms	5 Beds
Full Baths	2 Baths
Total Rooms	12 Rooms
Stories	2 Stories
Building Area	1,601 sqft Living Area

Exterior

Year Built	Built 1890
Effective Year Built	Effective 1890
Exterior Material	Wood
Roof Type	Gable
Roof Material	Asphalt
Lot Area	7,797 sqft (0.179 acres)
Garage Type	Detached
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Hot Water

Location & Zoning

Street Address	421 E MAIN ST
City	OWATONNA
State	MN
Zip	55060-3039
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	KELLY'S # 2 BLK 1 E1/2 OF L9 KELLY'S 2ND ADDITION
Legal Subdivision	KELLY'S # 2
Legal Block	1
Jurisdiction	STEELE MN
Township / Civil Division	OWATONNA
Census Block Group	2
Census Block	2022
Census Tract	960200

Owner

Source: Steele County records · APN 17-115-0109

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	421 E MAIN ST, OWATONNA, MN 55060-3039
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 03, 2019	Quit Claim Deed, Transfer · Conventional Mortgage TOWNE MORTGAGE CO
Aug 27, 2018	Warranty Deed, Transfer · Conventional Mortgage TOWNE MORTGAGE CO
Aug 28, 2017	Intrafamily Transfer, Transfer · VA Mortgage USAA FSB

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Aug 27, 2018 · Amount on Record
Deed Sale	Aug 27, 2018 · Amount on Record
Prior Sale	Oct 29, 2014 · Amount on Record
Deed Document Number	2018419898
Last Transfer Date	Jun 10, 2019
Transfer Doc	0000424348
Record Updated	Sep 20, 2026

July 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	STEELE MN
Recording Date	Jul 03, 2019
Property Address	421 E MAIN ST, OWATONNA, MN 55060-3039
Document Number	A000424348
Instrument Date	Jun 10, 2019
Instrument	A000424348
Transaction Type	Transfer
Record Updated	Sep 10, 2021

Transaction

Tax	$1.65
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	421 E MAIN ST, OWATONNA, MN 55060-3039

Mortgage

Document Number	A000424349
Date	Jul 03, 2019
Instrument	A000424349

Lender

Name	TOWNE MORTGAGE CO
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 01, 2049

Interest

Rate Type	Fixed Rate

August 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	STEELE MN
Recording Date	Aug 27, 2018
Property Address	421 E MAIN ST, OWATONNA, MN 55060-3039
Document Number	A000419898
Instrument Date	Aug 24, 2018
Instrument	A000419898
Transaction Type	Transfer
Record Updated	Sep 10, 2021
Title Company	EDINA REALTY TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$561.00
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	421 E MAIN ST, OWATONNA, MN 55060-3039

Mortgage

Document Number	A000419899
Date	Aug 27, 2018
Instrument	A000419899

Lender

Name	TOWNE MORTGAGE CO

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate

August 2017: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	STEELE MN
Recording Date	Aug 28, 2017
Property Address	421 E MAIN ST, OWATONNA, MN 55060-3039
Document Number	A000414526
Instrument Date	Aug 15, 2017
Instrument	A000414526
Transaction Type	Transfer
Record Updated	Sep 10, 2021

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	421 E MAIN ST, OWATONNA, MN 55060-3039

Mortgage

Document Number	A000414527
Date	Aug 28, 2017
Instrument	A000414527

Lender

Name	USAA FSB
Type	Bank

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 01, 2047

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	$4,208.00 (+10.97%)
2025		$295,600 (+13.78%) Land $28,000 Building $267,600	$295,600 (+13.78%) Land $28,000 Building $267,600
2023	$3,792.00 Homeowner's exemption	$259,800 Land $22,800 Building $237,000	$259,800 Land $22,800 Building $237,000

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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