McLeod County property record for 475 Lake Dr, Winsted, MN 55395
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 1,266 sqft · built 2003 |
| Lot Size | 0.287 acres (12,524 sqft) |
| Owner | 2 Individual Names on Record |
| Tax Bill | $5,262 (2026) |
| Deeds & Mortgages | Nov 2023 Mortgage Oct 2025 Mortgage + 5 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 21.122.0020 |
| Primary APN | 21.122.0020 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 1,266 sqft Total Area |
| 1st Floor Area | 1,186 sqft |
| Basement Area | 293 sqft |
| Finished Basement | 293 sqft |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2003 |
|---|---|
| Effective Year Built | Effective 2003 |
| Exterior Material | Vinyl |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 12,524 sqft (0.287 acres) |
| Lot Dimensions | 124 ft deep x 101 ft wide |
| Garage Type | Finished |
| Garage Area | 640 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
|---|---|
| Porch Area | 42 sqft |
| Deck Area | 568 sqft |
| Shed | 1 Shed |
| Shed Area | 192 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Street Address | 475 LAKE DR |
|---|---|
| City | WINSTED |
| State | MN |
| Zip | 55395-7860 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | WINSTED ON THE LAKE FIFTH ADD LOT-002 BLOCK-001 |
| Legal Subdivision | WINSTED ON THE LAKE FIFTH ADD |
| Legal Block | 1 |
| Legal Lot Number | 2 |
| Jurisdiction | MCLEOD MN |
| Township / Civil Division | WINSTED |
| Census Block Group | 1 |
| Census Block | 1052 |
| Census Tract | 950100 |
Source: McLeod County records, as of April 14, 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 | 475 LAKE DR, WINSTED, MN 55395-7860 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Nov 7, 2023 | Deed of Trust, Mortgage · Conventional Mortgage HUD |
| Oct 23, 2025 | Deed of Trust, Mortgage · FHA Mortgage HUD |
| Jul 3, 2024 | Deed of Trust, Mortgage · FHA Mortgage HUD |
| Apr 15, 2025 | Deed of Trust, Mortgage · FHA Mortgage HUD |
| Oct 27, 2022 | Warranty Deed, Transfer · FHA Mortgage PENNYMAC LOAN SERVICES LLC |
| Oct 27, 2022 | Quit Claim Deed, Transfer ANCONA TITLE, ANCONA TITLE & ESCROW |
| Sep 6, 2013 | Quit Claim Deed, Transfer CITIZENS STATE BANK OF WAVERLY INC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Transfer Date | Jul 12, 2013 |
| Transfer Doc | 0000056485 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MCLEOD MN |
| Property Address | 475 LAKE DR, WINSTED, MN 55395-7860 |
| Transaction Type | Mortgage |
| Record Updated | Mar 24, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0000071165 |
|---|---|
| Date | Nov 7, 2023 |
| Instrument | 71165 |
| Name | HUD |
|---|---|
| Type | Government Agency |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 348 Months |
| Due | Jan 1, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MCLEOD MN |
| Property Address | 475 LAKE DR, WINSTED, MN 55395-7860 |
| Transaction Type | Mortgage |
| Record Updated | Mar 24, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0000073251 |
|---|---|
| Date | Oct 23, 2025 |
| Instrument | 73251 |
| Name | HUD |
|---|---|
| Type | Government Agency |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 324 Months |
| Due | Jan 1, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MCLEOD MN |
| Property Address | 475 LAKE DR, WINSTED, MN 55395-7860 |
| Transaction Type | Mortgage |
| Record Updated | Mar 24, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0000071781 |
|---|---|
| Date | Jul 3, 2024 |
| Instrument | 71781 |
| Name | HUD |
|---|---|
| Type | Government Agency |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 336 Months |
| Due | Jan 1, 2052 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MCLEOD MN |
| Property Address | 475 LAKE DR, WINSTED, MN 55395-7860 |
| Transaction Type | Mortgage |
| Record Updated | Mar 24, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0000072653 |
|---|---|
| Date | Apr 15, 2025 |
| Instrument | 72653 |
| Name | HUD |
|---|---|
| Type | Government Agency |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 324 Months |
| Due | Jan 1, 2052 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MCLEOD MN |
| Recording Date | Oct 27, 2022 |
| Property Address | 475 LAKE DR, WINSTED, MN 55395-7860 |
| Document Number | 0000070075 |
| Instrument Date | Dec 10, 2021 |
| Instrument | 70075 |
| Transaction Type | Transfer |
| Record Updated | Mar 24, 2026 |
| Title Company | ANCONA TITLE, ANCONA TITLE & ESCROW |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,039.50 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 475 LAKE DR, WINSTED, MN 55395-7860 |
| Document Number | 0000070076 |
|---|---|
| Date | Oct 27, 2022 |
| Instrument | 70076 |
| Name | PENNYMAC LOAN SERVICES LLC |
|---|---|
| Type | Funding / Finance Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 351 Months |
| Due | Jan 1, 2052 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | MCLEOD MN |
| Recording Date | Oct 27, 2022 |
| Property Address | 475 LAKE DR, WINSTED, MN 55395-7860 |
| Document Number | 0000070074 |
| Instrument Date | Nov 19, 2021 |
| Instrument | 70074 |
| Transaction Type | Transfer |
| Record Updated | Mar 24, 2026 |
| Title Company | ANCONA TITLE, ANCONA TITLE & ESCROW |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 475 LAKE DR, WINSTED, MN 55395-7860 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | MCLEOD MN |
| Recording Date | Sep 6, 2013 |
| Property Address | 475 LAKE DR, WINSTED, MN 55395-7860 |
| Document Number | 0000056485 |
| Instrument Date | Jul 12, 2013 |
| Instrument | 56485 |
| Transaction Type | Transfer |
| Record Updated | Mar 24, 2026 |
| Title Company | CENTRAL LAND TITLE |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 475 LAKE DR, WINSTED, MN 55395-7860 |
| Document Number | 0000056486 |
|---|---|
| Date | Sep 6, 2013 |
| Instrument | 56486 |
| Name | CITIZENS STATE BANK OF WAVERLY INC |
|---|---|
| Address | 609 PACIFIC AVE, WAVERLY, MN 55390 |
| Amount | Amount Recorded |
|---|---|
| Term | 179 Months |
| Due | Aug 1, 2028 |
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 | $5,262.00 (+29.73%) Homeowner's exemption | ||
| 2025 | $353,800 (+12.6%) Land $85,500 Building $268,300 | $353,800 (+12.6%) Land $85,500 Building $268,300 | |
| 2022 | $314,200 Land $81,500 Building $232,700 | $314,200 Land $81,500 Building $232,700 | |
| 2019 | $4,056.00 |
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 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.
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 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures