425 E Howard St, Winona, MN 55987 Property Records

Winona County property record for 425 E Howard St, Winona, MN 55987

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,691 sqft · built 1920
Lot Size	0.16 acres (6,970 sqft)
Owner	2 Individual Names on File
Last Sale	$220,000 (May 2020)
Tax Bill	$3,124 (2026)
Deeds & Mortgages	Jul 2022 Line of Credit May 2020 Sale & Mortgage + 1 more
APN	`32.110.0430`

Property Details

APN / Parcel Number

Primary APN	`32.110.0430`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,691 sqft Living Area
1st Floor Area	1,090 sqft
Flooring	Wood
Interior Walls	Plaster

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1999
Exterior Material	Metal
Construction Type	Metal Frame
Roof Type	Gable
Roof Material	Galvanized Metal
Lot Area	6,970 sqft (0.16 acres)
Lot Dimensions	140 ft deep x 50 ft wide
Garage Type	Detached
Garage Area	400 sqft
Porch	Porch
Porch Area	190 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Hot Water

Location & Zoning

Street Address	425 E HOWARD ST
City	WINONA
State	MN
Zip	55987-4018
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SECT-26 TWP-107 RANGE-007 CURTIS 3RD ADDITION LOT-002 BLOCK-019 FRAC LOT 2 BLK 19 SEE SMITHS ADD LOT 2 BLK 19
Legal Range	007
Legal Township	107
Legal Section	26
Legal Subdivision	CURTIS 3RD ADDITION
Legal Block	19
Legal Lot Number	2
Jurisdiction	WINONA MN
Township / Civil Division	WINONA
Census Block Group	2
Census Block	2025
Census Tract	670600

Owner

425 E Howard St is owned and occupied by two individuals who bought it in May 2020.

Source: Winona County records, as of September 4, 2026

Owner of Record	2 Individual Names on File
Mailing Address	425 E HOWARD ST, WINONA, MN 55987-4018
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Jul 5, 2022	Deed of Trust, Mortgage · Line of Credit ALTRA FCU
May 26, 2020	Warranty Deed, Transfer · Conventional Mortgage ALTRA FCU
Feb 25, 2020	Personal Representative Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 26, 2020 · Amount on File
Deed Sale	May 26, 2020 · Amount on File
Prior Sale	Feb 25, 2020 · Amount on File
Deed Document Number	202024711
Record Updated	Oct 29, 2026

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINONA MN
Property Address	425 E HOWARD ST, WINONA, MN 55987-4018
Transaction Type	Mortgage
Record Updated	Aug 3, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	425 E HOWARD ST, WINONA, MN 55987-4018

Mortgage

Document Number	000A643823
Date	Jul 5, 2022
Instrument	A643823

Lender

Name	ALTRA FCU
Type	Credit Union
Address	ONALASKA, WI 54650

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Jul 4, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WINONA MN
Recording Date	May 26, 2020
Property Address	425 E HOWARD ST, WINONA, MN 55987-4018
Document Number	24711
Instrument Date	May 21, 2020
Instrument	24711
Transaction Type	Transfer
Record Updated	Jun 22, 2021
Title Company	RIVER VALLEY TITLE GROUP LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$726.00
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	425 E HOWARD ST, WINONA, MN 55987-4018

Mortgage

Document Number	24712
Date	May 26, 2020
Instrument	24712

Lender

Name	ALTRA FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2050

February 2020: Personal Representative Deed, Transfer

Document Type	Personal Representative Deed
Jurisdiction	WINONA MN
Recording Date	Feb 25, 2020
Property Address	425 E HOWARD ST, WINONA, MN 55987-4018
Document Number	622860
Instrument Date	Feb 19, 2020
Instrument	622860
Transaction Type	Transfer
Record Updated	Jun 22, 2021

Transaction

Amount	Amount on Record
Tax	$379.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3770 W 7TH ST, WINONA, MN 55987-1777

Tax Assessment & Valuation

The 2026 property tax bill for 425 E Howard St was $3,124 with a homeowner's exemption.

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	$3,124.00 Homeowner's exemption	$313,300 (+11.57%) Land $40,600 Building $272,700	$313,300 (+11.57%) Land $40,600 Building $272,700
2025		$280,800 Land $40,600 Building $240,200	$280,800 Land $40,600 Building $240,200
2023	$2,532.00 Homeowner's exemption	$262,800 Land $39,000 Building $223,800	$262,800 Land $39,000 Building $223,800

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

Flood

FEMA has no flood map on file for 425 E Howard St.

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

Wildfire risk around 425 E Howard St is low, with a 0.01% annual chance of 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 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.

Nearby Properties on E Howard St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures