McLeod County property record for 445 Lake Trl, Winsted, MN 55395
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 1,320 sqft · built 2003 |
| Lot Size | 0.068 acres (2,975 sqft) |
| Owner | Individual Name on File |
| Last Sale | $225,900 (Jun 2021) |
| Tax Bill | $4,426 (2026) |
| Deeds & Mortgages | Apr 2012 Mortgage Jun 2021 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 21.122.0220 |
| Primary APN | 21.122.0220 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 1,320 sqft Total Area |
| 1st Floor Area | 816 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 | Finished |
| Garage Area | 480 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 35 sqft |
| Deck Area | 168 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Hot Water |
| Street Address | 445 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-020 BLOCK-002 |
| Legal Subdivision | WINSTED ON THE LAKE FIFTH ADD |
| Legal Block | 2 |
| Legal Lot Number | 20 |
| Jurisdiction | MCLEOD MN |
| Township / Civil Division | WINSTED |
| Census Block Group | 1 |
| Census Block | 1052 |
| Census Tract | 950100 |
445 Lake Trl is owned and occupied by an individual who bought it in June 2021.
Source: McLeod County records, as of April 14, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 445 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 |
|---|---|
| Apr 23, 2012 | Deed of Trust, Mortgage CITIBANK, N.A. |
| Jun 28, 2021 | Warranty Deed, Transfer · Conventional Mortgage ARC HOME LLC |
| Apr 6, 2020 | Warranty Deed, Transfer · FHA Mortgage FAIRWAY INDEPENDENT MTG CORP |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 28, 2021 · Amount on File |
| Deed Sale | Jun 28, 2021 · Amount on File |
| Prior Sale | Apr 6, 2020 · Amount on File |
| Deed Document Number | 202167946 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MCLEOD MN |
| Property Address | 445 LAKE TRL, WINSTED, MN 55395-6577 |
| Transaction Type | Mortgage |
| Record Updated | Mar 24, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0000T54097 |
|---|---|
| Date | Apr 23, 2012 |
| Instrument | T54097 |
| Name | CITIBANK, N.A. |
|---|---|
| Address | 1000 TECHNOLOGY DR, O FALLON, MO 63368 |
| Amount | Amount on Record |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MCLEOD MN |
| Recording Date | Jun 28, 2021 |
| Property Address | 445 LAKE TRL, WINSTED, MN 55395-6577 |
| Document Number | 0000067946 |
| Instrument Date | Jun 23, 2021 |
| Instrument | 67946 |
| Transaction Type | Transfer |
| Record Updated | Mar 24, 2026 |
| Title Company | TITLE MARK LLC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $745.47 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 445 LAKE TRL, WINSTED, MN 55395-6577 |
| Document Number | 0000067947 |
|---|---|
| Date | Jun 28, 2021 |
| Instrument | 67947 |
| Name | ARC HOME LLC |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jul 1, 2051 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MCLEOD MN |
| Recording Date | Apr 6, 2020 |
| Property Address | 445 LAKE TRL, WINSTED, MN 55395-6577 |
| Document Number | 0000065408 |
| Instrument Date | Mar 31, 2020 |
| Instrument | 65408 |
| Transaction Type | Transfer |
| Record Updated | Mar 24, 2026 |
| Title Company | WATERMARK TITLE |
| Amount | Amount on Record |
|---|---|
| Tax | $60.11 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 445 LAKE TRL, WINSTED, MN 55395-6577 |
| Document Number | 0000065409 |
|---|---|
| Date | Apr 6, 2020 |
| Instrument | 65409 |
| Name | FAIRWAY INDEPENDENT MTG CORP |
|---|
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Rate Type | Fixed Rate |
|---|
| Document Number | 0000065410 |
|---|---|
| Date | Apr 6, 2020 |
| Instrument | 65410 |
| Name | FAIRWAY INDEPENDENT MTG CORP |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | May 1, 2050 |
| Rate Type | Fixed Rate |
|---|
The 2026 property tax bill for 445 Lake Trl was $4,426 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 | $4,426.00 Homeowner's exemption | ||
| 2025 | $286,400 Land $24,500 Building $261,900 | $286,400 Land $24,500 Building $261,900 | |
| 2022 | $253,600 Land $23,300 Building $230,300 | $253,600 Land $23,300 Building $230,300 | |
| 2019 | $2,894.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 445 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 445 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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