431 Lake Trl, Winsted, MN 55395 Property Records

McLeod County property record for 431 Lake Trl, Winsted, MN 55395

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,206 sqft · built 2004
Lot Size	0.068 acres (2,975 sqft)
Owner	Individual Name on File
Last Sale	$190,000 (Sep 2020)
Tax Bill	$3,724 (2026)
Deeds & Mortgages	Sep 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`21.122.0150`

Property Details

APN / Parcel Number

Primary APN	`21.122.0150`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,206 sqft Total Area
1st Floor Area	816 sqft
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Exterior Material	Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	2,975 sqft (0.068 acres)
Lot Dimensions	85 ft deep x 35 ft wide
Garage Type	Mixed
Garage Area	480 sqft
Parking Spaces	4 Parking Spaces
Porch	Slab
Porch Area	35 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Hot Water

Location & Zoning

Street Address	431 LAKE TRL
City	WINSTED
State	MN
Zip	55395-6577
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	WINSTED ON THE LAKE FIFTH ADD LOT-013 BLOCK-002
Legal Subdivision	WINSTED ON THE LAKE FIFTH ADD
Legal Block	2
Legal Lot Number	13
Jurisdiction	MCLEOD MN
Township / Civil Division	WINSTED
Census Block Group	1
Census Block	1052
Census Tract	950100

Owner

431 Lake Trl is owned and occupied by an individual who bought it in September 2020.

Source: McLeod County records, as of April 14, 2026

Owner of Record	Individual Name on File
Mailing Address	431 LAKE TRL, WINSTED, MN 55395-6577
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

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 29, 2020 · Amount on File
Deed Sale	Sep 29, 2020 · Amount on File
Deed Document Number	202066373
Record Updated	Jun 8, 2026

September 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MCLEOD MN
Recording Date	Sep 29, 2020
Property Address	431 LAKE TRL, WINSTED, MN 55395-6577
Document Number	0000066373
Instrument Date	Sep 25, 2020
Instrument	66373
Transaction Type	Transfer
Record Updated	Mar 24, 2026
Title Company	WATERMARK TITLE AGENCY LLC, WATERMARK TITLE AGENCY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$627.00
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	431 LAKE TRL, WINSTED, MN 55395-6577

Mortgage

Document Number	0000066374
Date	Sep 29, 2020
Instrument	66374

Lender

Name	US BANK NA

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2026 property tax bill for 431 Lake Trl was $3,724 with a homeowner's exemption.

Source: McLeod County assessment roll, as of March 24, 2026

Property Jurisdictions

Type	Name
State	Minnesota
County	McLeod County
Municipality	Winsted City
Unified School District	Howard Lake-Waverly-Winsted (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$3,724.00 Homeowner's exemption
2025		$261,900 Land $24,500 Building $237,400	$261,900 Land $24,500 Building $237,400
2022		$232,100 Land $23,300 Building $208,800	$232,100 Land $23,300 Building $208,800
2019	$2,650.00

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

Flood

FEMA maps place 431 Lake Trl in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective January 23, 2019 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	3 in force
Nearby Flood Claims	1 (2014)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Mar 2014 · other causes

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

Wildfire risk around 431 Lake Trl is low, with less than 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 97% of the US · lower than 89% of Minnesota
Wildfire Likelihood	Under 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	Winsted serves 2,226 people · EPA ID MN1430010
Water Source	Groundwater
Last State Inspection	Dec 2024
Lead	Under 1 ppb (2021–2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
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 123 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Metronet Fiber	5,120 / 5,120
Mediacom Xtream Cable	2,000 / 1,000
TDS Telecom Fiber	1,000 / 1,000
GigFire Fixed Wireless	150 / 130
T-Mobile Fixed Wireless	100 / 20