McLeod County property record for 438 Lake Trl, Winsted, MN 55395
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 1,034 sqft · built 2005 |
| Lot Size | 0.068 acres (2,975 sqft) |
| Owner | Individual Name on File |
| Last Sale | $149,900 (Oct 2019) |
| Tax Bill | $2,918 (2026) |
| Deeds & Mortgages | Oct 2019 Sale & Mortgage Mar 2012 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 21.122.0130 |
| Primary APN | 21.122.0130 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 1,034 sqft Total Area |
| 1st Floor Area | 1,149 sqft |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2005 |
|---|---|
| Effective Year Built | Effective 2005 |
| 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 | Finished |
| Garage Area | 576 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 60 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Hot Water |
| Street Address | 438 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-011 BLOCK-002 |
| Legal Subdivision | WINSTED ON THE LAKE FIFTH ADD |
| Legal Block | 2 |
| Legal Lot Number | 11 |
| Jurisdiction | MCLEOD MN |
| Township / Civil Division | WINSTED |
| Census Block Group | 1 |
| Census Block | 1052 |
| Census Tract | 950100 |
438 Lake Trl is owned and occupied by an individual who bought it in October 2019.
Source: McLeod County records, as of April 14, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 438 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 4, 2019 | Warranty Deed, Transfer · Conventional Mortgage FLAGSTAR BANK FSB |
| Mar 12, 2012 | Warranty Deed, Transfer CORNERSTONE MORTGAGE COMPANY |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Oct 4, 2019 · Amount on File |
| Deed Sale | Oct 4, 2019 · Amount on File |
| Deed Document Number | 201964669 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MCLEOD MN |
| Recording Date | Oct 4, 2019 |
| Property Address | 438 LAKE TRL, WINSTED, MN 55395-6577 |
| Document Number | 0000064669 |
| Instrument Date | Oct 2, 2019 |
| Instrument | 64669 |
| Transaction Type | Transfer |
| Record Updated | Mar 24, 2026 |
| Title Company | WATERMARK TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $494.67 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 438 LAKE TRL, WINSTED, MN 55395-6577 |
| Document Number | 0000064670 |
|---|---|
| Date | Oct 4, 2019 |
| Instrument | 64670 |
| Name | FLAGSTAR BANK FSB |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Rate Type | Fixed Rate |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MCLEOD MN |
| Recording Date | Mar 12, 2012 |
| Property Address | 438 LAKE TRL, WINSTED, MN 55395-6577 |
| Document Number | 0000T53868 |
| Instrument | T53868 |
| Transaction Type | Transfer |
| Record Updated | Mar 24, 2026 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 438 LAKE TRL, WINSTED, MN 55395-6577 |
| Document Number | 0000T53869 |
|---|---|
| Date | Mar 12, 2012 |
| Instrument | T53869 |
| Name | CORNERSTONE MORTGAGE COMPANY |
|---|---|
| Address | 1177 WEST LOOP S STE 200, HOUSTON, TX 77027 |
| Amount | Amount on Record |
|---|
The 2026 property tax bill for 438 Lake Trl was $2,918 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 | $2,918.00 Homeowner's exemption | ||
| 2025 | $213,700 Land $24,500 Building $189,200 | $213,700 Land $24,500 Building $189,200 | |
| 2022 | $187,000 Land $23,300 Building $163,700 | $187,000 Land $23,300 Building $163,700 | |
| 2019 | $2,078.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 438 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 438 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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