469 E Howard St, Winona, MN 55987 Property Records

Winona County property record for 469 E Howard St, Winona, MN 55987

Property Summary

Property Type	Single Family Home
Details	4 bd · 1 ba · 1,518 sqft · built 1922
Lot Size	0.16 acres (6,970 sqft)
Owner	2 Individual Names on File
Tax Bill	$2,708 (2026)
Deeds & Mortgages	Mar 2023 Line of Credit Nov 2021 Mortgage + 3 more
APN	`32.110.0040`

Property Details

APN / Parcel Number

Primary APN	`32.110.0040`

Interior

Bedrooms	4 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,518 sqft Living Area
1st Floor Area	778 sqft
Basement Area	156 sqft
Unfinished Basement	156 sqft
Flooring	Carpet
Interior Walls	Plaster

Exterior

Year Built	Built 1922
Effective Year Built	Effective 1992
Exterior Material	Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	6,970 sqft (0.16 acres)
Lot Dimensions	140 ft deep x 50 ft wide
Garage Type	Mixed
Garage Area	384 sqft

Exterior Amenities

Porch	Porch
Porch Area	54 sqft
Shed	1 Shed
Shed Area	64 sqft

Utilities, Heating & Cooling

Cooling System	None
Heating System	Hot Water

Location & Zoning

Street Address	469 E HOWARD ST
City	WINONA
State	MN
Zip	55987-4020
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SECT-26 TWP-107 RANGE-007 CURTIS 3RD ADDITION LOT-003 BLOCK-007 CURTIS 2ND & 3RD ADD
Legal Range	007
Legal Township	107
Legal Section	26
Legal Subdivision	CURTIS 3RD ADDITION
Legal Block	7
Legal Lot Number	3
Jurisdiction	WINONA MN
Township / Civil Division	WINONA
Census Block Group	2
Census Block	2038
Census Tract	670600

Owner

469 E Howard St is owned and occupied by two individuals who acquired it in August 2020.

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

Owner of Record	2 Individual Names on File
Mailing Address	469 E HOWARD ST, WINONA, MN 55987-4020
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.

Deeds, Mortgages & Sale History

Date	Document
Mar 23, 2023	Deed of Trust, Mortgage · Line of Credit ALTRA FCU
Nov 3, 2021	Deed of Trust, Mortgage · Commercial Mortgage CITIZENS FIRST BANK INC
Oct 29, 2020	Deed of Trust, Mortgage ALTRA FCU
Aug 12, 2020	Affidavit of Death of Joint Tenant, Transfer
Aug 12, 2020	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Aug 11, 2020
Transfer Doc	626555
Record Updated	Oct 29, 2026

March 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINONA MN
Property Address	469 E HOWARD ST, WINONA, MN 55987-4020
Transaction Type	Mortgage
Record Updated	Apr 20, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000A648010
Date	Mar 23, 2023
Instrument	A648010

Lender

Name	ALTRA FCU
Type	Credit Union
Address	ONALASKA, WI 54650

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	240 Months
Due	Mar 22, 2043

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINONA MN
Property Address	469 E HOWARD ST, WINONA, MN 55987-4020
Transaction Type	Mortgage
Record Updated	Nov 22, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	24050 3RD ST, TREMPEALEAU, WI 54661-9239

Mortgage

Document Number	638295
Date	Nov 3, 2021
Instrument	638295

Lender

Name	CITIZENS FIRST BANK INC
Type	Bank
Address	TREMPEALEAU, WI 54661

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINONA MN
Property Address	469 E HOWARD ST, WINONA, MN 55987-4020
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	628589
Date	Oct 29, 2020
Instrument	628589

Lender

Name	ALTRA FCU
Type	Credit Union
Address	ONALASKA, WI 54650

Agreement

Amount	Amount on Record
Term	73 Months
Due	Nov 13, 2026

August 2020: Affidavit of Death of Joint Tenant, Transfer

Document Type	Affidavit of Death of Joint Tenant
Jurisdiction	WINONA MN
Recording Date	Aug 12, 2020
Property Address	469 E HOWARD ST, WINONA, MN 55987-4020
Document Number	626555
Instrument Date	Aug 11, 2020
Instrument	626555
Transaction Type	Transfer
Record Updated	Jun 22, 2021

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	469 E HOWARD ST, WINONA, MN 55987-4020

August 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	WINONA MN
Recording Date	Aug 12, 2020
Property Address	469 E HOWARD ST, WINONA, MN 55987-4020
Document Number	626556
Instrument Date	Aug 11, 2020
Instrument	626556
Transaction Type	Transfer
Record Updated	Jun 22, 2021

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	469 E HOWARD ST, WINONA, MN 55987-4020

Tax Assessment & Valuation

The 2026 property tax bill for 469 E Howard St was $2,708 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	$2,708.00 Homeowner's exemption	$233,700 (+18.57%) Land $40,600 Building $193,100	$233,700 (+18.57%) Land $40,600 Building $193,100
2025		$197,100 Land $40,600 Building $156,500	$197,100 Land $40,600 Building $156,500
2023	$2,100.00 Homeowner's exemption	$187,700 Land $39,000 Building $148,700	$187,700 Land $39,000 Building $148,700

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 469 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 469 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.

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