Steele County property record for 445 E Academy St, Owatonna, MN 55060
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,476 sqft · built 1920 |
| Lot Size | 0.137 acres (5,968 sqft) |
| Owner | Company Name on Record |
| Last Sale | $119,900 (Feb 2019) |
| Tax Bill | $2,560 (2026) |
| Deeds & Mortgages | Oct 2021 Mortgage Feb 2019 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 17-118-0112 |
| Primary APN | 17-118-0112 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 9 Rooms |
| Stories | 2 Stories |
| Building Area | 1,476 sqft Living Area |
| Year Built | Built 1920 |
|---|---|
| Effective Year Built | Effective 1920 |
| Exterior Material | Aluminum/Vinyl |
| Foundation Type | Concrete |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 5,968 sqft (0.137 acres) |
| Garage Type | Detached |
| Garage Area | 216 sqft |
| Parking Spaces | 1 Parking Space |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 445 E ACADEMY ST |
|---|---|
| City | OWATONNA |
| State | MN |
| Zip | 55060-3019 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | DUNNELL AND FARMER BLK.1 N.901/2' OF LOT 10 DUNNELL & FARMER |
| Legal Section | TW |
| Legal Subdivision | DUNNELL AND FARMER |
| Legal Block | 1 |
| Legal Lot Number | 10 |
| Jurisdiction | STEELE MN |
| Township / Civil Division | OWATONNA |
| Census Block Group | 2 |
| Census Block | 2030 |
| Census Tract | 960200 |
Source: Steele County records, as of October 1, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Company Name on Record |
|---|---|
| Mailing Address | 445 E ACADEMY ST, OWATONNA, MN 55060-3019 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Date | Document |
|---|---|
| Oct 4, 2021 | Deed of Trust, Mortgage · Stand-Alone First Mortgage HUD |
| Feb 28, 2019 | Warranty Deed, Transfer · FHA Mortgage FAIRWAY INDEPENDENT MTG CORP |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Feb 28, 2019 · Amount on Record |
| Deed Sale | Feb 28, 2019 · Amount on Record |
| Prior Sale | Apr 17, 2009 · Amount on Record |
| Deed Document Number | 2019422621 |
| Prior Transfer Date | Aug 26, 2008 |
| Prior Transfer Doc | 0000359194 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | STEELE MN |
| Property Address | 445 E ACADEMY ST, OWATONNA, MN 55060-3019 |
| Transaction Type | Mortgage |
| Record Updated | Aug 16, 2022 |
| Name | Verified Name |
|---|
| Document Number | A000438925 |
|---|---|
| Date | Oct 4, 2021 |
| Instrument | A000438925 |
| Name | HUD |
|---|---|
| Type | Government Agency |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 336 Months |
| Due | Mar 1, 2049 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | STEELE MN |
| Recording Date | Feb 28, 2019 |
| Property Address | 445 E ACADEMY ST, OWATONNA, MN 55060-3019 |
| Document Number | A000422621 |
| Instrument Date | Feb 28, 2019 |
| Instrument | A000422621 |
| Transaction Type | Transfer |
| Record Updated | Aug 16, 2022 |
| Title Company | NORTH AMERICAN TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $395.67 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 445 E ACADEMY ST, OWATONNA, MN 55060-3019 |
| Document Number | A000422622 |
|---|---|
| Date | Feb 28, 2019 |
| Instrument | A000422622 |
| Name | FAIRWAY INDEPENDENT MTG CORP |
|---|
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Fixed Rate |
|---|
Source: Steele County assessment roll, as of October 1, 2026
| Type | Name |
|---|---|
| State | Minnesota |
| County | Steele County |
| Municipality | Owatonna City |
| Unified School District | Owatonna Public School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $2,560.00 (+24.76%) Homeowner's exemption | $200,900 (+4.09%) Land $28,800 Building $172,100 | $200,900 (+4.09%) Land $28,800 Building $172,100 |
| 2025 | $193,000 (+26.39%) Land $27,700 Building $165,300 | $193,000 (+26.39%) Land $27,700 Building $165,300 | |
| 2023 | $2,052.00 Homeowner's exemption | $152,700 Land $23,300 Building $129,400 | $152,700 Land $23,300 Building $129,400 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective November 11, 2014 · 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 Claims | 4 (2010) |
| Claims Outside the SFHA | 3 of 4 |
| Most Recent Claim | Sep 2010 · Severe Storms And Flooding |
| Claims by Event |
|
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 99.1% of the US · lower than 96% 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 | Owatonna serves 26,430 people · EPA ID MN1740007 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Dec 2025 |
| Lead | 2 ppb (2023–2025) 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 439 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Metronet Fiber | 5,120 / 5,120 |
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| GigFire Fixed Wireless | 150 / 130 |
| Midco Fixed Wireless | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures