Steele County property record for 448 E School St, Owatonna, MN 55060
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,546 sqft · built 1916 |
| Lot Size | 0.2 acres (8,712 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $210,000 (Jul 2024) |
| Tax Bill | $2,748 (2026) |
| Deeds & Mortgages | Jul 2018 Mortgage Dec 2020 Mortgage + 7 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 17-118-0101 |
| Primary APN | 17-118-0101 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 9 Rooms |
| Stories | 2 Stories |
| Building Area | 1,546 sqft Living Area |
| Basement Area | 272 sqft |
| Finished Basement | 272 sqft |
| Year Built | Built 1916 |
|---|---|
| Effective Year Built | Effective 1916 |
| Exterior Material | Wood |
| Foundation Type | Concrete |
| Roof Type | Hip |
| Roof Material | Asphalt |
| Lot Area | 8,712 sqft (0.2 acres) |
| Garage Type | Detached |
| Garage Area | 440 sqft |
| Parking Spaces | 2 Parking Spaces |
| Heating System | Hot Water |
|---|
| Street Address | 448 E SCHOOL ST |
|---|---|
| City | OWATONNA |
| State | MN |
| Zip | 55060-3026 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | DUNNELL AND FARMER BLK.1 LOT 1 DUNNELL & FARMER |
| Legal Section | TW |
| Legal Subdivision | DUNNELL AND FARMER |
| Legal Block | 1 |
| Legal Lot Number | 1 |
| 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 | 2 Individual Names on Record |
|---|---|
| Mailing Address | 448 E SCHOOL ST, OWATONNA, MN 55060-3026 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jul 9, 2018 | Deed of Trust, Mortgage · Conventional Mortgage UNITED PRAIRE BANK |
| Dec 29, 2020 | Deed of Trust, Mortgage · Commercial Mortgage PARK STATE BANK |
| Aug 29, 2016 | Deed of Trust, Mortgage · Conventional Mortgage STATE BANK |
| Mar 9, 2007 | Deed of Trust, Mortgage · USDA Mortgage USDA |
| Jun 30, 2014 | Deed of Trust, Mortgage · Conventional Mortgage UNITED PRAIRE BANK |
| Nov 4, 2005 | Deed of Trust, Mortgage · Line of Credit WELLS FARGO BANK NA |
| Mar 9, 2007 | Deed of Trust, Mortgage · USDA Mortgage USDA |
| Mar 15, 2022 | Warranty Deed, Transfer · Conventional Mortgage COMMUNITY BANK |
| Mar 9, 2007 | Warranty Deed, Transfer MIDWEST MINNESOTA COMMUNITY DEVELOP |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 10, 2024 · Amount on Record |
| Deed Sale | Jul 10, 2024 · Amount on Record |
| Prior Sale | Feb 28, 2022 · Amount on Record |
| Deed Document Number | 20241668243 |
| Prior Transfer Date | May 31, 2016 |
| Prior Transfer Doc | 0000408202 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | STEELE MN |
| Property Address | 448 E SCHOOL ST, OWATONNA, MN 55060-3026 |
| Transaction Type | Mortgage |
| Record Updated | Apr 3, 2026 |
| Title Company | ROCHESTER TITLE |
| Name | Verified Name |
|---|---|
| Investor | Possibly a Property Investor |
| Document Number | A000419086 |
|---|---|
| Date | Jul 9, 2018 |
| Instrument | A000419086 |
| Name | UNITED PRAIRE BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 120 Months |
| Due | May 21, 2028 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | STEELE MN |
| Property Address | 448 E SCHOOL ST, OWATONNA, MN 55060-3026 |
| Transaction Type | Mortgage |
| Record Updated | Apr 3, 2026 |
| Name | Verified Name |
|---|
| Document Number | A000433424 |
|---|---|
| Date | Dec 29, 2020 |
| Instrument | A000433424 |
| Name | PARK STATE BANK |
|---|---|
| Type | Bank |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 12 Months |
| Due | Jan 5, 2031 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | STEELE MN |
| Property Address | 448 E SCHOOL ST, OWATONNA, MN 55060-3026 |
| Transaction Type | Mortgage |
| Record Updated | Apr 3, 2026 |
| Name | Verified Name |
|---|---|
| Investor | Possibly a Property Investor |
| Document Number | A000409313 |
|---|---|
| Date | Aug 29, 2016 |
| Instrument | A000409313 |
| Name | STATE BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Aug 5, 2026 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | STEELE MN |
| Property Address | 448 E SCHOOL ST, OWATONNA, MN 55060-3026 |
| Transaction Type | Mortgage |
| Record Updated | Apr 3, 2026 |
| Name | Verified Name |
|---|---|
| Investor | Possibly a Property Investor |
| Document Number | A000348318 |
|---|---|
| Date | Mar 9, 2007 |
| Instrument | A000348318 |
| Name | USDA |
|---|---|
| Type | Government Agency |
| Address | SAINT LOUIS, MO 63166 |
| Type | USDA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 396 Months |
| Due | Mar 9, 2040 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | STEELE MN |
| Property Address | 448 E SCHOOL ST, OWATONNA, MN 55060-3026 |
| Transaction Type | Mortgage |
| Record Updated | Apr 3, 2026 |
| Name | Verified Name |
|---|---|
| Investor | Possibly a Property Investor |
| Document Number | A000397635 |
|---|---|
| Date | Jun 30, 2014 |
| Instrument | A000397635 |
| Name | UNITED PRAIRE BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | STEELE MN |
| Property Address | 448 E SCHOOL ST, OWATONNA, MN 55060-3026 |
| Transaction Type | Mortgage |
| Record Updated | Apr 3, 2026 |
| Name | Verified Name |
|---|
| Document Number | A000336696 |
|---|---|
| Date | Nov 4, 2005 |
| Instrument | A000336696 |
| Name | WELLS FARGO BANK NA |
|---|---|
| Type | Bank |
| Address | BILLINGS, MT 59107 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 479 Months |
| Due | Oct 14, 2045 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | STEELE MN |
| Property Address | 448 E SCHOOL ST, OWATONNA, MN 55060-3026 |
| Transaction Type | Mortgage |
| Record Updated | Jan 27, 2026 |
| Name | Verified Name |
|---|---|
| Investor | Possibly a Property Investor |
| Document Number | A000348318 |
|---|---|
| Date | Mar 9, 2007 |
| Instrument | A000348318 |
| Name | USDA |
|---|---|
| Type | Government Agency |
| Address | SAINT LOUIS, MO 63166 |
| Type | USDA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 396 Months |
| Due | Mar 9, 2040 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | STEELE MN |
| Recording Date | Mar 15, 2022 |
| Property Address | 448 E SCHOOL ST, OWATONNA, MN 55060-3026 |
| Document Number | A000441851 |
| Instrument Date | Feb 28, 2022 |
| Instrument | A000441851 |
| Transaction Type | Transfer |
| Record Updated | Apr 3, 2026 |
| Title Company | TITLE SMART INC, TITLESMART INC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $405.90 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 448 E SCHOOL ST, OWATONNA, MN 55060-3026 |
| Investor | Possibly a Property Investor |
| Document Number | A000441852 |
|---|---|
| Date | Mar 15, 2022 |
| Instrument | A000441852 |
| Name | COMMUNITY BANK |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 60 Months |
| Due | Mar 10, 2027 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | STEELE MN |
| Recording Date | Mar 9, 2007 |
| Property Address | 448 E SCHOOL ST, OWATONNA, MN 55060-3026 |
| Document Number | A000348315 |
| Instrument Date | Mar 9, 2007 |
| Instrument | A000348315 |
| Transaction Type | Transfer |
| Record Updated | Jun 13, 2023 |
| Title Company | NORTH AMERICAN TITLE COMPANY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $412.50 |
| Amount Accuracy | Rounded by County |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 448 E SCHOOL ST, OWATONNA, MN 55060-3026 |
| Document Number | A000348319 |
|---|---|
| Date | Mar 9, 2007 |
| Instrument | A000348319 |
| Name | MIDWEST MINNESOTA COMMUNITY DEVELOP |
|---|---|
| Type | Non-Lending Institution |
| Amount | Amount Recorded |
|---|---|
| Term | 361 Months |
| Due | Apr 1, 2037 |
| Document Number | A000348316 |
|---|---|
| Date | Mar 9, 2007 |
| Instrument | A000348316 |
| Name | MIDWEST MINNESOTA COMMUNITY DEVELOPMENT |
|---|---|
| Type | Non-Lending Institution |
| Address | DETROIT LAKES, MN 56502 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 1, 2037 |
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 | $2,748.00 (+25.02%) Homeowner's exemption | $213,900 (+4.49%) Land $33,600 Building $180,300 | $213,900 (+4.49%) Land $33,600 Building $180,300 |
| 2025 | $204,700 (+46.01%) Land $32,300 Building $172,400 | $204,700 (+46.01%) Land $32,300 Building $172,400 | |
| 2023 | $2,198.00 | $140,200 Land $27,200 Building $113,000 | $140,200 Land $27,200 Building $113,000 |
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 |
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