477 E Howard St, Winona, MN 55987 Property Records

Winona County property record for 477 E Howard St, Winona, MN 55987

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,146 sqft · built 1885
Lot Size	0.128 acres (5,576 sqft)
Owner	2 Individual Names on Record
Tax Bill	$1,714 (2026)
Deeds & Mortgages	Aug 2026 Transfer Oct 2019 Mortgage + 1 more
APN	`32.105.0360`

Property Details

APN / Parcel Number

Primary APN	`32.105.0360`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,146 sqft Living Area
1st Floor Area	1,146 sqft
Basement Area	1,146 sqft
Unfinished Basement	1,146 sqft
Flooring	Carpet
Interior Walls	Plaster

Exterior

Year Built	Built 1885
Effective Year Built	Effective 1989
Architectural Style	Ranch
Exterior Material	Vinyl
Foundation Type	Stone
Roof Type	Gable
Roof Material	Asphalt
Lot Area	5,576 sqft (0.128 acres)
Lot Dimensions	140 ft deep x 40 ft wide
Garage Type	Detached
Garage Area	352 sqft
Porch	Porch
Porch Area	66 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	477 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 2ND ADDITION LOT-OL4 PT OL 3 & 4
Legal Range	007
Legal Township	107
Legal Section	26
Legal Subdivision	CURTIS 2ND ADDITION
Legal Lot Number	OL4
Jurisdiction	WINONA MN
Township / Civil Division	WINONA
Census Block Group	2
Census Block	2038
Census Tract	670600

Owner

Source: Winona County records, as of October 8, 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	477 E HOWARD ST, WINONA, MN 55987-4020
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 3, 2026	Transfer on Death Deed, Transfer NONE LISTED ON DOCUMENT
Oct 28, 2019	Deed of Trust, Mortgage · Conventional Mortgage MERCHANTS BANK NA
Dec 23, 2019	Deed of Trust, Mortgage · Line of Credit MERCHANTS BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Jul 17, 2026
Transfer Doc	0000668185
Record Updated	Oct 29, 2026

August 2026: Transfer on Death Deed, Transfer

Document Type	Transfer on Death Deed
Jurisdiction	WINONA MN
Recording Date	Aug 3, 2026
Property Address	477 E HOWARD ST, WINONA, MN 55987-4020
Document Number	0000668185
Instrument Date	Jul 17, 2026
Instrument	2026668185
Transaction Type	Transfer
Record Updated	Oct 8, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINONA MN
Property Address	477 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	620394
Date	Oct 28, 2019
Instrument	620394

Lender

Name	MERCHANTS BANK NA
Type	Bank
Address	WINONA, MN 55987

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2049

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINONA MN
Property Address	477 E HOWARD ST, WINONA, MN 55987-4020
Transaction Type	Mortgage
Record Updated	Jan 7, 2020

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	621699
Date	Dec 23, 2019
Instrument	621699

Lender

Name	MERCHANTS BANK
Type	Bank
Address	WINONA, MN 55987

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Dec 23, 2049

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

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	$1,714.00 (+42.12%) Homeowner's exemption	$175,400 (+19.65%) Land $34,000 Building $141,400	$175,400 (+19.65%) Land $34,000 Building $141,400
2025		$146,600 (+5.54%) Land $34,000 Building $112,600	$146,600 (+5.54%) Land $34,000 Building $112,600
2023	$1,206.00 Homeowner's exemption	$138,900 Land $32,700 Building $106,200	$138,900 Land $32,700 Building $106,200

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

Flood

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

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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