McLeod County property record for 509 Ponto Pt, Winsted, MN 55395
| Property Type | Single Family Home |
|---|---|
| Details | 3,915 sqft · built 2022 |
| Lot Size | 0.5 acres (21,800 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $278,606 (Dec 2020) |
| Tax Bill | $25,432 (2026) |
| Deeds & Mortgages | Jan 2020 Mortgage Apr 2022 Construction Loan + 4 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 21.125.0030 |
| Primary APN | 21.125.0030 |
|---|
| Stories | 1 Story |
|---|---|
| Building Area | 3,915 sqft Total Area |
| Year Built | Built 2022 |
|---|---|
| Effective Year Built | Effective 2022 |
| Exterior Material | Brick Veneer |
| Lot Area | 21,800 sqft (0.5 acres) |
| Lot Dimensions | 218 ft deep x 100 ft wide |
| Street Address | 509 PONTO PT |
|---|---|
| City | WINSTED |
| State | MN |
| Zip | 55395-7830 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | PONTAS POINT 2ND ADD WIN CITY LOT-003 BLOCK-001 |
| Legal Subdivision | PONTAS POINT 2ND ADD WIN CITY |
| Legal Block | 1 |
| Legal Lot Number | 3 |
| Jurisdiction | MCLEOD MN |
| Township / Civil Division | WINSTED |
| Census Block Group | 1 |
| Census Block | 1024 |
| Census Tract | 950100 |
509 Ponto Pt is owned and occupied by two individuals who bought it in December 2020.
Source: McLeod County records, as of June 1, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | PO BOX 246, WINSTED, MN 55395-0246 |
| 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.
| Date | Document |
|---|---|
| Jan 13, 2020 | Deed of Trust, Mortgage · Conventional Mortgage FIRST COMMUNITY BANK |
| Apr 19, 2022 | Deed of Trust, Mortgage · Construction Mortgage CITIZENS ALLIANCE BANK |
| Dec 14, 2023 | Intrafamily Transfer, Transfer · Conventional Mortgage FIRST STATE MORTGAGE SERVICES |
| Dec 8, 2020 | Warranty Deed, Transfer TITLE MARK |
| Dec 18, 2018 | Deed, Transfer · Conventional Mortgage SECURITY BANK & TRUST CO |
| Sep 14, 2010 | Quit Claim Deed, Transfer Quitclaim |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 8, 2020 · Amount on File |
| Deed Sale | Dec 8, 2020 · Amount on File |
| Prior Sale | Dec 18, 2018 · Amount on File |
| Deed Document Number | 202066781 |
| Prior Transfer Date | Jul 29, 2010 |
| Prior Transfer Doc | 0000T51691 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MCLEOD MN |
| Property Address | 509 PONTO PT, WINSTED, MN 55395-7830 |
| Transaction Type | Mortgage |
| Record Updated | Jun 9, 2026 |
| Title Company | AVENEL TITLE, AVENUW TITLE |
| Name | Verified Name |
|---|
| Document Number | 0000065099 |
|---|---|
| Date | Jan 13, 2020 |
| Instrument | 65099 |
| Name | FIRST COMMUNITY BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 60 Months |
| Due | Apr 1, 2025 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MCLEOD MN |
| Property Address | 509 PONTO PT, WINSTED, MN 55395-7830 |
| Transaction Type | Mortgage |
| Record Updated | Jun 9, 2026 |
| Title Company | AVENEL TITLE, AVENUE TITLE |
| Name | Verified Name |
|---|
| Document Number | 0000069301 |
|---|---|
| Date | Apr 19, 2022 |
| Instrument | 69301 |
| Name | CITIZENS ALLIANCE BANK |
|---|---|
| Type | Bank |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 12 Months |
| Due | Nov 15, 2023 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | MCLEOD MN |
| Recording Date | Dec 14, 2023 |
| Property Address | 509 PONTO PT, WINSTED, MN 55395-7830 |
| Document Number | 0000071260 |
| Instrument Date | Dec 6, 2023 |
| Instrument | 71260 |
| Transaction Type | Transfer |
| Record Updated | Jun 9, 2026 |
| Title Company | AVENUE TITLE LLC |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 509 PONTO PT, WINSTED, MN 55395-7830 |
| Document Number | 0000071261 |
|---|---|
| Date | Dec 14, 2023 |
| Instrument | 71261 |
| Name | FIRST STATE MORTGAGE SERVICES |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jan 1, 2054 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 7.25% |
| Adjustable | Adjustable Rate Rider |
| Change Frequency | 6 Months |
| Min Rate At Change | 3% |
| Max Rate At Change | 12.2% |
| Index | Other |
| Margin | 3 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MCLEOD MN |
| Recording Date | Dec 8, 2020 |
| Property Address | 509 PONTO PT, WINSTED, MN 55395-7830 |
| Document Number | 0000066781 |
| Instrument Date | Dec 2, 2020 |
| Instrument | 66781 |
| Transaction Type | Transfer |
| Record Updated | Mar 24, 2026 |
| Title Company | TITLE MARK |
| Amount | Amount on Record |
|---|---|
| Tax | $919.40 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 3805 OXFORD DR, WOODBURY, MN 55125-4354 |
| Document Type | Deed |
|---|---|
| Jurisdiction | MCLEOD MN |
| Recording Date | Dec 18, 2018 |
| Property Address | 509 PONTO PT, WINSTED, MN 55395-7830 |
| Document Number | 0000063636 |
| Instrument Date | Nov 30, 2018 |
| Instrument | 63636 |
| Transaction Type | Transfer |
| Record Updated | Mar 24, 2026 |
| Title Company | TITLE MARK |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $323.40 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | PO BOX 26400, MINNEAPOLIS, MN 55426-0400 |
| Document Number | 0000063638 |
|---|---|
| Date | Dec 18, 2018 |
| Instrument | 63638 |
| Name | SECURITY BANK & TRUST CO |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 72 Months |
| Due | Feb 1, 2024 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | MCLEOD MN |
| Recording Date | Sep 14, 2010 |
| Property Address | 509 PONTO PT, WINSTED, MN 55395-7830 |
| Document Number | 0000T51691 |
| Instrument Date | Jul 29, 2010 |
| Instrument | T51691 |
| Transaction Type | Transfer |
| Record Updated | Mar 24, 2026 |
| Tax | $1.65 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 8230 QUINN CIR, BLOOMINGTON, MN 55437-1228 |
| Name | Verified Name |
|---|
The 2026 property tax bill for 509 Ponto Pt was $25,432 with a homeowner's exemption.
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 | $25,432.00 Homeowner's exemption | ||
| 2025 | $1,433,000 Land $220,500 Building $1,212,500 | $1,433,000 Land $220,500 Building $1,212,500 | |
| 2022 | $116,600 Land $116,600 | $116,600 Land $116,600 | |
| 2019 | $1,442.00 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
FEMA maps place 509 Ponto Pt in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.
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 100 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.
Wildfire risk around 509 Ponto Pt is low, with less than 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 98% of the US · lower than 92% 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 28 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| 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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