445 State Ave, Owatonna, MN 55060 Property Records

Steele County property record for 445 State Ave, Owatonna, MN 55060

Property Summary

Property Type	Apartments (5+ Units)
Details	12,924 sqft · built 1951
Lot Size	0.75 acres (32,670 sqft)
Owner	Company Name on Record
Last Sale	$495,000 (Jun 2017)
Tax Bill	$12,432 (2026)
Deeds & Mortgages	Jan 2017 Mortgage Jun 2017 Sale & Mortgage + 7 more
Flood Zone	Zone X (minimal risk)
APN	`17-265-0111`

Property Details

APN / Parcel Number

Primary APN	`17-265-0111`

Interior

Units	14 Units
Stories	1 Story
Building Area	12,924 sqft Finished Area
1st Floor Area	4,242 sqft

Exterior

Year Built	Built 1951
Effective Year Built	Effective 1951
Exterior Material	Brick
Foundation Type	Concrete
Roof Material	Built-Up Asphalt
Lot Area	32,670 sqft (0.75 acres)

Utilities, Heating & Cooling

Heating System	Hot Water

Location & Zoning

Street Address	445 STATE AVE
City	OWATONNA
State	MN
Zip	55060-2294
Property Category	Residential
Property Type	Residential > Multi-Unit > Apartments (5+ Units)
Legal Description	RADEL # 2 BLK 1 LOT 10 TORRENS PROPERTY
Legal Section	TW
Legal Subdivision	RADEL # 2
Legal Block	1
Legal Lot Number	10
Jurisdiction	STEELE MN
Township / Civil Division	OWATONNA
Census Block Group	2
Census Block	2052
Census Tract	960400

Owner

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	PO BOX 44975, EDEN PRAIRIE, MN 55344-2675
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
Jan 10, 2017	Deed of Trust, Mortgage · Commercial Mortgage UNITED PRAIRE BANK
Jun 23, 2017	Deed, Transfer · Commercial Mortgage FIRST NATIONAL BANK & TRUST CO
Jun 23, 2017	Deed, Transfer NORTH AMERICAN TITLE
Jun 23, 2017	Deed, Transfer NORTH AMERICAN TITLE
Jun 23, 2017	Deed, Transfer NORTH AMERICAN TITLE
Jun 23, 2017	Deed, Transfer NORTH AMERICAN TITLE
Jun 23, 2017	Deed, Transfer · Commercial Mortgage FIRST NATIONAL BANK & TRUST CO
Jun 23, 2017	Deed, Transfer NORTH AMERICAN TITLE
Jun 23, 2017	Deed, Transfer NORTH AMERICAN TITLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 23, 2017 · Amount on Record
Deed Sale	Jun 23, 2017 · Amount on Record
Prior Sale	Jun 23, 2017 · Amount on Record
Deed Document Number	201775000
Prior Transfer Date	May 30, 2017
Prior Transfer Doc	0000074995
Record Updated	Oct 29, 2026

January 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STEELE MN
Property Address	445 STATE AVE, OWATONNA, MN 55060-2294
Transaction Type	Mortgage
Record Updated	Nov 29, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	A000411488
Date	Jan 10, 2017
Instrument	A000411488

Lender

Name	UNITED PRAIRE BANK
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	72 Months
Due	Dec 30, 2022

Interest

Rate Type	Fixed Rate

June 2017: Deed, Transfer

Document Type	Deed
Jurisdiction	STEELE MN
Recording Date	Jun 23, 2017
Property Address	445 STATE AVE, OWATONNA, MN 55060-2294
Document Number	T000074995
Instrument Date	May 30, 2017
Instrument	T000074995
Transaction Type	Transfer
Record Updated	Feb 6, 2021
Title Company	NORTH AMERICAN TITLE

Transaction

Amount	Amount Recorded
Tax	$1.65
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5146 LINCOLN DR APT 107, 107, EDINA, MN 55436-1052

Mortgage

Document Number	A000413539
Date	Jun 23, 2017
Instrument	A000413539

Lender

Name	FIRST NATIONAL BANK & TRUST CO
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	240 Months
Due	May 31, 2037

Interest

Rate Type	Adjustable Rate

June 2017: Deed, Transfer

Document Type	Deed
Jurisdiction	STEELE MN
Recording Date	Jun 23, 2017
Property Address	445 STATE AVE, OWATONNA, MN 55060-2294
Document Number	T000074999
Instrument Date	May 30, 2017
Instrument	T000074999
Transaction Type	Transfer
Record Updated	Feb 6, 2021
Title Company	NORTH AMERICAN TITLE

Transaction

Amount	Amount Recorded
Tax	$907.50
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5146 LINCOLN DR APT 107, 107, EDINA, MN 55436-1052

June 2017: Deed, Transfer

Document Type	Deed
Jurisdiction	STEELE MN
Recording Date	Jun 23, 2017
Property Address	445 STATE AVE, OWATONNA, MN 55060-2294
Document Number	T000074997
Instrument Date	May 30, 2017
Instrument	T000074997
Transaction Type	Transfer
Record Updated	Feb 6, 2021
Title Company	NORTH AMERICAN TITLE

Transaction

Amount	Amount Recorded
Tax	$907.50
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5146 LINCOLN DR APT 107, 107, EDINA, MN 55436-1052

June 2017: Deed, Transfer

Document Type	Deed
Jurisdiction	STEELE MN
Recording Date	Jun 23, 2017
Property Address	445 STATE AVE, OWATONNA, MN 55060-2294
Document Number	T000075000
Instrument Date	May 30, 2017
Instrument	T000075000
Transaction Type	Transfer
Record Updated	Feb 6, 2021
Title Company	NORTH AMERICAN TITLE

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,633.50
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5146 LINCOLN DR APT 107, 107, EDINA, MN 55436-1052

June 2017: Deed, Transfer

Document Type	Deed
Jurisdiction	STEELE MN
Recording Date	Jun 23, 2017
Property Address	445 STATE AVE, OWATONNA, MN 55060-2294
Document Number	T000074997
Instrument Date	May 30, 2017
Instrument	T000074997
Transaction Type	Transfer
Record Updated	Nov 29, 2023
Title Company	NORTH AMERICAN TITLE

Transaction

Amount	Amount Recorded
Tax	$907.50
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5146 LINCOLN DR APT 107, 107, EDINA, MN 55436-1052

June 2017: Deed, Transfer

Document Type	Deed
Jurisdiction	STEELE MN
Recording Date	Jun 23, 2017
Property Address	445 STATE AVE, OWATONNA, MN 55060-2294
Document Number	T000075000
Instrument Date	May 30, 2017
Instrument	T000075000
Transaction Type	Transfer
Record Updated	Nov 29, 2023
Title Company	NORTH AMERICAN TITLE

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,633.50
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5146 LINCOLN DR APT 107, 107, EDINA, MN 55436-1052

Mortgage

Document Number	T000075001
Date	Jun 23, 2017
Instrument	T000075001

Lender

Name	FIRST NATIONAL BANK & TRUST CO
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

June 2017: Deed, Transfer

Document Type	Deed
Jurisdiction	STEELE MN
Recording Date	Jun 23, 2017
Property Address	445 STATE AVE, OWATONNA, MN 55060-2294
Document Number	T000074999
Instrument Date	May 30, 2017
Instrument	T000074999
Transaction Type	Transfer
Record Updated	Nov 29, 2023
Title Company	NORTH AMERICAN TITLE

Transaction

Amount	Amount Recorded
Tax	$907.50
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5146 LINCOLN DR APT 107, 107, EDINA, MN 55436-1052

June 2017: Deed, Transfer

Document Type	Deed
Jurisdiction	STEELE MN
Recording Date	Jun 23, 2017
Property Address	445 STATE AVE, OWATONNA, MN 55060-2294
Document Number	T000074995
Instrument Date	May 30, 2017
Instrument	T000074995
Transaction Type	Transfer
Record Updated	Nov 29, 2023
Title Company	NORTH AMERICAN TITLE

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5146 LINCOLN DR APT 107, 107, EDINA, MN 55436-1052

Tax Assessment & Valuation

Source: Steele County assessment roll, as of October 1, 2026

Property Jurisdictions

Type	Name
State	Minnesota
County	Steele County
Municipality	Owatonna City
Unified School District	Owatonna Public School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$12,432.00 (+11.56%)	$690,400 (+8.49%) Land $89,800 Building $600,600	$690,400 (+8.49%) Land $89,800 Building $600,600
2025		$636,400 (+6.1%) Land $86,600 Building $549,800	$636,400 (+6.1%) Land $86,600 Building $549,800
2023	$11,144.00	$599,800 Land $86,600 Building $513,200	$599,800 Land $86,600 Building $513,200

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

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
Flood Insurance Cost	Premium on Record median of 11 policies
Nearby Flood Policies	11 in force
Nearby Flood Claims	17 (2010–2016)
Claims Outside the SFHA	2 of 17
Most Recent Claim	Sep 2016 · Severe Storms And Flooding
Claims by Event	Severe Storms And Flooding, Sep 2016 · 17 claims

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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 229 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

May also be available: Minnesota WiFi.

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