520 Main St, Winona, MN 55987 Property Records

Winona County property record for 520 Main St, Winona, MN 55987

Property Summary

Property Type	Multi-Family Dwellings
Details	10 bd · 4 ba · 2,588 sqft · built 1885
Lot Size	0.192 acres (8,364 sqft)
Owner	2 Individual Names on Record
Last Sale	$366,178 (Dec 2021)
Tax Bill	$4,290 (2026)
Deeds & Mortgages	Dec 2021 Sale & Mortgage
APN	`32.455.1170`

Property Details

APN / Parcel Number

Primary APN	`32.455.1170`

Interior

Bedrooms	10 Beds
Full Baths	4 Baths
Stories	1 Story
Building Area	2,588 sqft Total Area
1st Floor Area	1,200 sqft
Basement Area	1,344 sqft
Finished Basement	1,344 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1885
Effective Year Built	Effective 1988
Architectural Style	Multi-Family
Exterior Material	Vinyl
Construction Type	Metal Frame
Fire Resistance	Fireproof Reinforced Concrete
Roof Type	Gable
Roof Material	Asphalt
Lot Area	8,364 sqft (0.192 acres)
Lot Dimensions	140 ft deep x 60 ft wide
Garage Area	1,200 sqft
Porch	Open Porch
Porch Area	290 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	520 MAIN ST
City	WINONA
State	MN
Zip	55987-3226
Property Category	Residential
Property Type	Residential > Multi-Unit > Multi-Family Dwellings
Legal Description	SECT-27 TWP-107 RANGE-007 SANBORNS ADDITION LOT-007 BLOCK-017
Legal Range	007
Legal Township	107
Legal Section	27
Legal Subdivision	SANBORNS ADDITION
Legal Block	17
Legal Lot Number	7
Jurisdiction	WINONA MN
Township / Civil Division	WINONA
Census Block Group	3
Census Block	3009
Census Tract	670500

Owner

Source: Winona County records, as of September 4, 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	1180 HIGHWAY 43, WINONA, MN 55987-9605
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 30, 2021 · Amount on Record
Deed Sale	Dec 30, 2021 · Amount on Record
Deed Document Number	2021639887
Record Updated	Oct 29, 2026

December 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WINONA MN
Recording Date	Dec 30, 2021
Property Address	520 MAIN ST, WINONA, MN 55987-3226
Document Number	000A639887
Instrument Date	Dec 14, 2021
Instrument	A639887
Transaction Type	Transfer
Record Updated	Jan 17, 2022
Title Company	TOWN N COUNTRY TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,208.39
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	1180 HIGHWAY 43, WINONA, MN 55987-9605

Mortgage

Document Number	000A639888
Date	Dec 30, 2021
Instrument	A639888

Lender

Name	MERCHANTS BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2052

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	$4,290.00 (+26.55%)	$284,500 (-2.9%) Land $47,100 Building $237,400	$284,500 (-2.9%) Land $47,100 Building $237,400
2025		$293,000 (+8.2%) Land $47,100 Building $245,900	$293,000 (+8.2%) Land $47,100 Building $245,900
2023	$3,390.00	$270,800 Land $45,300 Building $225,500	$270,800 Land $45,300 Building $225,500

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 415 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Hiawatha Broadband Communications Cable · Fiber in parts of the area	1,000 / 30
Starlink Satellite	280 / 30
AT&T Fixed Wireless	100 / 20

May also be available: GigFire, Verizon.

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