McLeod County property record for 446 Lake Trl, Winsted, MN 55395
| Property Type | Single Family Home |
|---|---|
| Details | 1,156 sqft · built 2019 |
| Lot Size | 0.028 acres (1,225 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $290,000 (Jun 2026) |
| Tax Bill | $3,354 (2026) |
| Deeds & Mortgages | Jun 2026 Sale Apr 2020 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 21.122.0090 |
| Primary APN | 21.122.0090 |
|---|
| Stories | 1 Story |
|---|---|
| Building Area | 1,156 sqft Total Area |
| 1st Floor Area | 1,284 sqft |
| Year Built | Built 2019 |
|---|---|
| Effective Year Built | Effective 2019 |
| Architectural Style | Multi-Family |
| Exterior Material | Vinyl |
| Lot Area | 1,225 sqft (0.028 acres) |
| Lot Dimensions | 35 ft deep x 35 ft wide |
| Garage Type | Finished |
| Garage Area | 1,188 sqft |
| Parking Spaces | 4 Parking Spaces |
| Porch | Slab |
| Porch Area | 84 sqft |
| Street Address | 446 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-007 BLOCK-002 |
| Legal Subdivision | WINSTED ON THE LAKE FIFTH ADD |
| Legal Block | 2 |
| Legal Lot Number | 7 |
| Jurisdiction | MCLEOD MN |
| Township / Civil Division | WINSTED |
| Census Block Group | 1 |
| Census Block | 1052 |
| Census Tract | 950100 |
446 Lake Trl is owned and occupied by two individuals who bought it in June 2026.
Source: McLeod County records, as of July 7, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 446 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 |
|---|---|
| Jun 17, 2026 | Deed, Transfer |
| Apr 7, 2020 | Warranty Deed, Transfer · Conventional Mortgage MIDCOUNTRY BANK FSB |
| Jul 1, 2019 | Warranty Deed, Transfer AVENUE TITLE LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 17, 2026 · Amount on File |
| Deed Sale | Jun 17, 2026 · Amount on File |
| Prior Sale | Apr 7, 2020 · Amount on File |
| Deed Document Number | 20261887279 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | MCLEOD MN |
| Recording Date | Jun 17, 2026 |
| Property Address | 446 LAKE TRL, WINSTED, MN 55395-6577 |
| Document Number | 0001887279 |
| Instrument Date | Jun 17, 2026 |
| Instrument | 20261887279 |
| Transaction Type | Transfer |
| Record Updated | Jul 7, 2026 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 446 LAKE TRL, WINSTED, MN 55395-6577 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MCLEOD MN |
| Recording Date | Apr 7, 2020 |
| Property Address | 446 LAKE TRL, WINSTED, MN 55395-6577 |
| Document Number | 0000065415 |
| Instrument Date | Apr 7, 2020 |
| Instrument | 65415 |
| 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 | $773.33 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 23516 115TH ST, STEWART, MN 55385-8223 |
| Document Number | 0000065416 |
|---|---|
| Date | Apr 7, 2020 |
| Instrument | 65416 |
| Name | MIDCOUNTRY BANK FSB |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Rate Type | Fixed Rate |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MCLEOD MN |
| Recording Date | Jul 1, 2019 |
| Property Address | 446 LAKE TRL, WINSTED, MN 55395-6577 |
| Document Number | 0000064273 |
| Instrument Date | Jun 21, 2019 |
| Instrument | 64273 |
| Transaction Type | Transfer |
| Record Updated | Mar 24, 2026 |
| Title Company | AVENUE TITLE LLC |
| Amount | Amount on Record |
|---|---|
| Tax | $66.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 23925 GRASS LAKE RD, WINSTED, MN 55395-6000 |
The 2026 property tax bill for 446 Lake Trl was $3,354 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 | $3,354.00 Homeowner's exemption | ||
| 2025 | $239,800 Land $24,500 Building $215,300 | $239,800 Land $24,500 Building $215,300 | |
| 2022 | $211,600 Land $23,300 Building $188,300 | $211,600 Land $23,300 Building $188,300 | |
| 2019 | $216.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 446 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 446 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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