452 E Howard St, Winona, MN 55987 Property Records

Winona County property record for 452 E Howard St, Winona, MN 55987

Property Summary

Property Type	Single Family Home
Details	4 bd · 1 ba · 1,566 sqft · built 1886
Lot Size	0.086 acres (3,746 sqft)
Owner	2 Individual Names on File
Tax Bill	$2,200 (2026)
Deeds & Mortgages	Dec 2025 Line of Credit Mar 2022 Mortgage + 1 more
APN	`32.110.0020`

Property Details

APN / Parcel Number

Primary APN	`32.110.0020`

Interior

Bedrooms	4 Beds
Full Baths	1 Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,566 sqft Living Area
1st Floor Area	504 sqft
Basement Area	684 sqft
Unfinished Basement	684 sqft
Flooring	Carpet
Interior Walls	Plaster

Exterior

Year Built	Built 1886
Effective Year Built	Effective 1994
Exterior Material	Stucco
Roof Type	Gable
Roof Material	Asphalt
Lot Area	3,746 sqft (0.086 acres)
Lot Dimensions	75 ft deep x 50 ft wide
Garage Type	Detached
Garage Area	390 sqft
Porch	Open Porch
Porch Area	209 sqft
Deck Area	144 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	452 E HOWARD ST
City	WINONA
State	MN
Zip	55987-4019
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SECT-26 TWP-107 RANGE-007 CURTIS 3RD ADDITION LOT-007 BLOCK-004 .10 AC PART OF LOT 7 OF CURTIS ADDITION NO. 3 TO THE CITY OF
Legal Range	007
Legal Township	107
Legal Section	26
Legal Subdivision	CURTIS 3RD ADDITION
Legal Block	4
Legal Lot Number	6-7
Jurisdiction	WINONA MN
Township / Civil Division	WINONA
Census Block Group	2
Census Block	2023
Census Tract	670600

Owner

452 E Howard St is owned and occupied by two individuals.

Source: Winona County records, as of September 4, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on File
Mailing Address	452 E HOWARD ST, WINONA, MN 55987-4019
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 3, 2025	Deed of Trust, Mortgage · Line of Credit MERCHANTS BANK NA
Mar 3, 2022	Deed of Trust, Mortgage · Conventional Mortgage MERCHANTS BANK NA
Dec 17, 2019	Deed of Trust, Mortgage · Line of Credit MERCHANTS BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Oct 29, 2026

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINONA MN
Property Address	452 E HOWARD ST, WINONA, MN 55987-4019
Transaction Type	Mortgage
Record Updated	Jun 9, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	452 E HOWARD ST, WINONA, MN 55987-4019

Mortgage

Document Number	000A664086
Date	Dec 3, 2025
Instrument	A664086

Lender

Name	MERCHANTS BANK NA
Type	Bank
Address	RUSHFORD, MN 55971

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Dec 2, 2055

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINONA MN
Property Address	452 E HOWARD ST, WINONA, MN 55987-4019
Transaction Type	Mortgage
Record Updated	Mar 21, 2022
Title Company	TOIYABE TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000A641176
Date	Mar 3, 2022
Instrument	A641176

Lender

Name	MERCHANTS BANK NA
Type	Bank
Address	WINONA, MN 55987

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Mar 1, 2037

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINONA MN
Property Address	452 E HOWARD ST, WINONA, MN 55987-4019
Transaction Type	Mortgage
Record Updated	Jan 2, 2020

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	621563
Date	Dec 17, 2019
Instrument	621563

Lender

Name	MERCHANTS BANK
Type	Bank
Address	RUSHFORD, MN 55971

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Dec 17, 2049

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

The 2026 property tax bill for 452 E Howard St was $2,200 with a homeowner's exemption.

Source: Winona County assessment roll, as of September 4, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$2,200.00 Homeowner's exemption	$259,100 (+24.27%) Land $29,100 Building $230,000	$259,100 (+24.27%) Land $29,100 Building $230,000
2025		$208,500 Land $29,100 Building $179,400	$208,500 Land $29,100 Building $179,400
2023	$1,732.00 Homeowner's exemption	$197,600 Land $28,000 Building $169,600	$197,600 Land $28,000 Building $169,600

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

Flood

FEMA has no flood map on file for 452 E Howard St.

Source: FEMA National Flood Hazard Layer

FEMA Flood Zone	Not on file

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 452 E Howard St is low, with 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 80% of the US · lower than 60% of Minnesota
Wildfire Likelihood	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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	Winona serves 27,782 people · EPA ID MN1850013
Water Source	Groundwater
Last State Inspection	Mar 2026
Lead	2 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	Radium resolved · Jul 2021
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 770 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
AT&T Fixed Wireless	100 / 20

May also be available: GigFire, Hiawatha Broadband Communications, Verizon.

Nearby Properties on E Howard St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures