McLeod County property record for 437 Lake Trl, Winsted, MN 55395
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 1,320 sqft · built 2003 |
| Lot Size | 0.068 acres (2,975 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $285,000 (Jun 2022) |
| Tax Bill | $4,542 (2026) |
| Deeds & Mortgages | Oct 2012 Mortgage Jun 2022 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 21.122.0180 |
| Primary APN | 21.122.0180 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 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 2003 |
|---|---|
| Effective Year Built | Effective 2003 |
| 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 |
| Deck Area | 84 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Hot Water |
| Street Address | 437 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-016 BLOCK-002 |
| Legal Subdivision | WINSTED ON THE LAKE FIFTH ADD |
| Legal Block | 2 |
| Legal Lot Number | 16 |
| Jurisdiction | MCLEOD MN |
| Township / Civil Division | WINSTED |
| Census Block Group | 1 |
| Census Block | 1052 |
| Census Tract | 950100 |
437 Lake Trl is owned and occupied by two individuals who bought it in June 2022.
Source: McLeod County records, as of April 14, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 437 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 |
|---|---|
| Oct 16, 2012 | Deed of Trust, Mortgage BANK OF AMERICA, N.A. |
| Jun 8, 2022 | Warranty Deed, Transfer · FHA Mortgage CROSSCOUNTRY MORTGAGE INC |
| Jul 3, 2013 | Warranty Deed, Transfer TITLE MARK COKATO |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 3, 2022 · Amount on File |
| Deed Sale | Jun 3, 2022 · Amount on File |
| Deed Document Number | 20221421092 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MCLEOD MN |
| Property Address | 437 LAKE TRL, WINSTED, MN 55395-6577 |
| Transaction Type | Mortgage |
| Record Updated | Mar 24, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0000T54884 |
|---|---|
| Date | Oct 16, 2012 |
| Instrument | T54884 |
| Name | BANK OF AMERICA, N.A. |
|---|---|
| Address | 101 S TRYON ST, CHARLOTTE, NC 28280 |
| Amount | Amount on Record |
|---|---|
| Term | 179 Months |
| Due | Sep 1, 2027 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MCLEOD MN |
| Recording Date | Jun 8, 2022 |
| Property Address | 437 LAKE TRL, WINSTED, MN 55395-6577 |
| Document Number | 0000069542 |
| Instrument Date | Jun 3, 2022 |
| Instrument | 69542 |
| Transaction Type | Transfer |
| Record Updated | Mar 24, 2026 |
| Title Company | TRADEMARK TITLE SERVICES INC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $940.50 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 437 LAKE TRL, WINSTED, MN 55395-6577 |
| Investor | Possibly a Property Investor |
| Document Number | 0000069543 |
|---|---|
| Date | Jun 8, 2022 |
| Instrument | 69543 |
| Name | CROSSCOUNTRY MORTGAGE INC |
|---|
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MCLEOD MN |
| Recording Date | Jul 3, 2013 |
| Property Address | 437 LAKE TRL, WINSTED, MN 55395-6577 |
| Document Number | 0000T56223 |
| Instrument Date | Jul 2, 2013 |
| Instrument | T56223 |
| Transaction Type | Transfer |
| Record Updated | Mar 24, 2026 |
| Title Company | TITLE MARK COKATO |
| Tax | $425.70 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 437 LAKE TRL, WINSTED, MN 55395-6577 |
The 2026 property tax bill for 437 Lake Trl was $4,542 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 | $4,542.00 Homeowner's exemption | ||
| 2025 | $310,800 Land $24,500 Building $286,300 | $310,800 Land $24,500 Building $286,300 | |
| 2022 | $275,000 Land $23,300 Building $251,700 | $275,000 Land $23,300 Building $251,700 | |
| 2019 | $3,466.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 437 Lake Trl in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2014.
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 |
|---|---|
| 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 437 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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