McLeod County property record for 439 Lake Trl, Winsted, MN 55395
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 3 ba · 1,176 sqft · built 2003 |
| Lot Size | 0.068 acres (2,975 sqft) |
| Owner | Individual Name on File |
| Last Sale | $235,000 (Dec 2023) |
| Tax Bill | $3,652 (2026) |
| Deeds & Mortgages | Feb 2022 Mortgage Jan 2021 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 21.122.0190 |
| Primary APN | 21.122.0190 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 2 Stories |
| Building Area | 1,176 sqft Total Area |
| 1st Floor Area | 672 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 | 439 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-017 BLOCK-002 |
| Legal Subdivision | WINSTED ON THE LAKE FIFTH ADD |
| Legal Block | 2 |
| Legal Lot Number | 17 |
| Jurisdiction | MCLEOD MN |
| Township / Civil Division | WINSTED |
| Census Block Group | 1 |
| Census Block | 1052 |
| Census Tract | 950100 |
439 Lake Trl is owned and occupied by an individual who bought it in December 2023.
Source: McLeod County records, as of April 14, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 439 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 |
|---|---|
| Feb 18, 2022 | Deed of Trust, Mortgage · FHA Mortgage HUD |
| Jan 7, 2021 | Deed of Trust, Mortgage · FHA Mortgage HUD |
| Feb 28, 2024 | Warranty Deed, Transfer · Conventional Mortgage NATIONS LENDING CORP |
| Jan 7, 2021 | Deed of Trust, Mortgage · FHA Mortgage HUD |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Dec 15, 2023 · Amount on File |
| Deed Sale | Dec 15, 2023 · Amount on File |
| Deed Document Number | 20231600854 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MCLEOD MN |
| Property Address | 439 LAKE TRL, WINSTED, MN 55395-6577 |
| Transaction Type | Mortgage |
| Record Updated | Mar 24, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0000069071 |
|---|---|
| Date | Feb 18, 2022 |
| Instrument | 69071 |
| Name | HUD |
|---|---|
| Type | Government Agency |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 300 Months |
| Due | Apr 1, 2046 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MCLEOD MN |
| Property Address | 439 LAKE TRL, WINSTED, MN 55395-6577 |
| Transaction Type | Mortgage |
| Record Updated | Mar 24, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0000066948 |
|---|---|
| Date | Jan 7, 2021 |
| Instrument | 66948 |
| Name | HUD |
|---|---|
| Type | Government Agency |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 312 Months |
| Due | Apr 1, 2046 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MCLEOD MN |
| Recording Date | Feb 28, 2024 |
| Property Address | 439 LAKE TRL, WINSTED, MN 55395-6577 |
| Document Number | 0000071439 |
| Instrument Date | Dec 14, 2023 |
| Instrument | 71439 |
| Transaction Type | Transfer |
| Record Updated | Mar 24, 2026 |
| Title Company | RESULTS TITLE |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $775.50 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 439 LAKE TRL, WINSTED, MN 55395-6577 |
| Document Number | 0000071440 |
|---|---|
| Date | Feb 28, 2024 |
| Instrument | 71440 |
| Name | NATIONS LENDING CORP |
|---|---|
| Type | Funding / Finance Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 359 Months |
| Due | Jan 1, 2054 |
| Document Number | 0000071441 |
|---|---|
| Date | Feb 28, 2024 |
| Instrument | 71441 |
| Name | NATIONS LENDING CORP |
|---|---|
| Type | Funding / Finance Company |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 372 Months |
| Due | Jan 1, 2054 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MCLEOD MN |
| Property Address | 439 LAKE TRL, WINSTED, MN 55395-6577 |
| Transaction Type | Mortgage |
| Record Updated | Feb 17, 2021 |
| Name | Verified Name |
|---|
| Document Number | 66948 |
|---|---|
| Date | Jan 7, 2021 |
| Instrument | 66948 |
| Name | HUD |
|---|---|
| Type | Government Agency |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 312 Months |
| Due | Apr 1, 2046 |
| Rate Type | Fixed Rate |
|---|
The 2026 property tax bill for 439 Lake Trl was $3,652 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 | $3,652.00 Homeowner's exemption | ||
| 2025 | $257,600 Land $24,500 Building $233,100 | $257,600 Land $24,500 Building $233,100 | |
| 2022 | $228,300 Land $23,300 Building $205,000 | $228,300 Land $23,300 Building $205,000 | |
| 2019 | $2,586.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 439 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 439 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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