McLeod County property record for 433 Lake Trl, Winsted, MN 55395
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 4 ba · 1,320 sqft · built 2004 |
| Lot Size | 0.068 acres (2,975 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $360,000 (Oct 2020) |
| Tax Bill | $4,260 (2026) |
| Deeds & Mortgages | Aug 2022 Mortgage Oct 2020 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 21.122.0160 |
| Primary APN | 21.122.0160 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 4 Baths |
| Stories | 2 Stories |
| Building Area | 1,320 sqft Total Area |
| 1st Floor Area | 816 sqft |
| Basement Area | 605 sqft |
| Finished Basement | 605 sqft |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| 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 |
| Cooling System | Central |
|---|---|
| Heating System | Hot Water |
| Street Address | 433 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-014 BLOCK-002 |
| Legal Subdivision | WINSTED ON THE LAKE FIFTH ADD |
| Legal Block | 2 |
| Legal Lot Number | 14 |
| Jurisdiction | MCLEOD MN |
| Township / Civil Division | WINSTED |
| Census Block Group | 1 |
| Census Block | 1052 |
| Census Tract | 950100 |
433 Lake Trl is owned and occupied by two individuals who bought it in October 2020.
Source: McLeod County records, as of April 14, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 433 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.
| Date | Document |
|---|---|
| Aug 16, 2022 | Deed of Trust, Mortgage · Conventional Mortgage OLD NATIONAL BANK |
| Oct 8, 2020 | Warranty Deed, Transfer · Conventional Mortgage OLD NATIONAL BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 8, 2020 · Amount on File |
| Deed Sale | Oct 8, 2020 · Amount on File |
| Prior Sale | Feb 19, 2016 · Amount on File |
| Deed Document Number | 202066439 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MCLEOD MN |
| Property Address | 433 LAKE TRL, WINSTED, MN 55395-6577 |
| Transaction Type | Mortgage |
| Record Updated | Mar 24, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0000069817 |
|---|---|
| Date | Aug 16, 2022 |
| Instrument | 69817 |
| Name | OLD NATIONAL BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Aug 25, 2052 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MCLEOD MN |
| Recording Date | Oct 8, 2020 |
| Property Address | 433 LAKE TRL, WINSTED, MN 55395-6577 |
| Document Number | 0000066439 |
| Instrument Date | Oct 7, 2020 |
| Instrument | 66439 |
| Transaction Type | Transfer |
| Record Updated | Mar 24, 2026 |
| Title Company | TITLEMARK PLLC, TITLE MARK LLC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,188.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 433 LAKE TRL, WINSTED, MN 55395-6577 |
| Document Number | 0000066440 |
|---|---|
| Date | Oct 8, 2020 |
| Instrument | 66440 |
| Name | OLD NATIONAL BANK |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
The 2026 property tax bill for 433 Lake Trl was $4,260 with a homeowner's exemption.
Source: McLeod County assessment roll, as of March 24, 2026
| Type | Name |
|---|---|
| State | Minnesota |
| County | McLeod County |
| Municipality | Winsted City |
| Unified School District | Howard Lake-Waverly-Winsted (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $4,260.00 Homeowner's exemption | ||
| 2025 | $293,900 Land $24,500 Building $269,400 | $293,900 Land $24,500 Building $269,400 | |
| 2022 | $260,100 Land $23,300 Building $236,800 | $260,100 Land $23,300 Building $236,800 | |
| 2019 | $3,016.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 433 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 risk around 433 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.
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 |
| 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.
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 |
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