McLeod County property record for 481 Lake Dr, Winsted, MN 55395
| Property Type | Single Family Home |
|---|---|
| Details | 1,034 sqft · built 2006 |
| Lot Size | 0.068 acres (2,975 sqft) |
| Owner | Individual Name on Record |
| Tax Bill | $2,854 (2026) |
| Deeds & Mortgages | Mar 2022 Mortgage May 2013 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 21.122.0050 |
| Primary APN | 21.122.0050 |
|---|
| Stories | 1 Story |
|---|---|
| Building Area | 1,034 sqft Total Area |
| 1st Floor Area | 1,149 sqft |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2006 |
|---|---|
| Effective Year Built | Effective 2006 |
| Exterior Material | Vinyl |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 2,975 sqft (0.068 acres) |
| Lot Dimensions | 85 ft deep x 35 ft wide |
| Garage Type | Carport |
| Garage Area | 576 sqft |
| Carport | Carport |
| Carport Area | 576 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 60 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Hot Water |
| Street Address | 481 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-003 BLOCK-002 |
| Legal Subdivision | WINSTED ON THE LAKE FIFTH ADD |
| Legal Block | 2 |
| Legal Lot Number | 3 |
| 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 | Individual Name on Record |
|---|---|
| Mailing Address | 481 LAKE DR, WINSTED, MN 55395-7860 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Mar 30, 2022 | Deed of Trust, Mortgage · Conventional Mortgage SHAREPOINT CU |
| May 10, 2013 | Limited Warranty Deed, Transfer BELL STATE BANK & TRUST |
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MCLEOD MN |
| Property Address | 481 LAKE DR, WINSTED, MN 55395-7860 |
| Transaction Type | Mortgage |
| Record Updated | Mar 24, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0000069219 |
|---|---|
| Date | Mar 30, 2022 |
| Instrument | 69219 |
| Name | SHAREPOINT CU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Apr 1, 2052 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Limited Warranty Deed |
|---|---|
| Jurisdiction | MCLEOD MN |
| Recording Date | May 10, 2013 |
| Property Address | 481 LAKE DR, WINSTED, MN 55395-7860 |
| Document Number | 0000T55963 |
| Instrument Date | May 2, 2013 |
| Instrument | T55963 |
| Transaction Type | Transfer |
| Record Updated | Mar 24, 2026 |
| Title Company | REGISTERED ABSTRACTERS INC |
| Tax | $237.60 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 481 LAKE DR, WINSTED, MN 55395-7860 |
| Document Number | 0000T55964 |
|---|---|
| Date | May 10, 2013 |
| Instrument | T55964 |
| Name | BELL STATE BANK & TRUST |
|---|---|
| Address | 1000 SHELARD PKWY STE 500, MINNEAPOLIS, MN 55426 |
| Amount | Amount Recorded |
|---|---|
| Term | 361 Months |
| Due | Jun 1, 2043 |
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 | $2,854.00 (+40.04%) Homeowner's exemption | ||
| 2025 | $209,900 (+14.26%) Land $24,500 Building $185,400 | $209,900 (+14.26%) Land $24,500 Building $185,400 | |
| 2022 | $183,700 Land $23,300 Building $160,400 | $183,700 Land $23,300 Building $160,400 | |
| 2019 | $2,038.00 |
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 |
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