522 E Howard St, Winona, MN 55987 Property Records

Winona County property record for 522 E Howard St, Winona, MN 55987

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,170 sqft · built 1916
Lot Size	0.16 acres (6,970 sqft)
Owner	2 Individual Names on Record
Last Sale	$149,900 (Jul 2017)
Tax Bill	$2,254 (2026)
Deeds & Mortgages	Aug 2025 Line of Credit Sep 2022 Line of Credit + 3 more
APN	`32.100.0490`

Property Details

APN / Parcel Number

Primary APN	`32.100.0490`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,170 sqft Living Area
1st Floor Area	936 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1916
Effective Year Built	Effective 1994
Exterior Material	Wood
Construction Type	Wood
Roof Type	Hip
Roof Material	Asphalt
Lot Area	6,970 sqft (0.16 acres)
Lot Dimensions	140 ft deep x 50 ft wide
Garage Type	Detached
Garage Area	780 sqft
Porch	Porch
Porch Area	208 sqft
Patio Area	140 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	522 E HOWARD ST
City	WINONA
State	MN
Zip	55987-4346
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SECT-26 TWP-107 RANGE-007 CURTIS 1ST ADDITION LOT-011 BLOCK-005
Legal Range	007
Legal Township	107
Legal Section	26
Legal Subdivision	CURTIS 1ST ADDITION
Legal Block	5
Legal Lot Number	11
Jurisdiction	WINONA MN
Township / Civil Division	WINONA
Census Block Group	2
Census Block	2022
Census Tract	670600

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	522 E HOWARD ST, WINONA, MN 55987-4346
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 5, 2025	Deed of Trust, Mortgage · Line of Credit MERCHANTS BANK NA
Sep 16, 2022	Deed of Trust, Mortgage · Line of Credit MERCHANTS BANK NA
Jan 25, 2021	Deed of Trust, Mortgage · Conventional Mortgage MERCHANTS BANK NA
Oct 25, 2018	Deed of Trust, Mortgage · Line of Credit MERCHANTS BANK
Jul 17, 2017	Warranty Deed, Transfer · Conventional Mortgage MERCHANTS BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 17, 2017 · Amount on Record
Deed Sale	Jul 17, 2017 · Amount on Record
Deed Document Number	2017604097
Record Updated	Oct 29, 2026

August 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINONA MN
Property Address	522 E HOWARD ST, WINONA, MN 55987-4346
Transaction Type	Mortgage
Record Updated	Sep 25, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	522 E HOWARD ST, WINONA, MN 55987-4346

Mortgage

Document Number	000A662020
Date	Aug 5, 2025
Instrument	A662020

Lender

Name	MERCHANTS BANK NA
Type	Bank
Address	WINONA, MN 55987

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Aug 5, 2055

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINONA MN
Property Address	522 E HOWARD ST, WINONA, MN 55987-4346
Transaction Type	Mortgage
Record Updated	Oct 7, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	522 E HOWARD ST, WINONA, MN 55987-4346

Mortgage

Document Number	000A645258
Date	Sep 16, 2022
Instrument	A645258

Lender

Name	MERCHANTS BANK NA
Type	Bank
Address	WINONA, MN 55987

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Sep 16, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINONA MN
Property Address	522 E HOWARD ST, WINONA, MN 55987-4346
Transaction Type	Mortgage
Record Updated	Feb 10, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	630891
Date	Jan 25, 2021
Instrument	630891

Lender

Name	MERCHANTS BANK NA
Type	Bank
Address	WINONA, MN 55987

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2051

October 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINONA MN
Property Address	522 E HOWARD ST, WINONA, MN 55987-4346
Transaction Type	Mortgage
Record Updated	Dec 18, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	522 E HOWARD ST, WINONA, MN 55987-4346

Mortgage

Document Number	613363
Date	Oct 25, 2018
Instrument	613363

Lender

Name	MERCHANTS BANK
Type	Bank
Address	WINONA, MN 55987

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Oct 23, 2048

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WINONA MN
Recording Date	Jul 17, 2017
Property Address	522 E HOWARD ST, WINONA, MN 55987-4346
Document Number	604097
Instrument Date	Jul 10, 2017
Instrument	604097
Transaction Type	Transfer
Record Updated	Jun 22, 2021
Title Company	TOWN N COUNTRY TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$494.67
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	522 E HOWARD ST, WINONA, MN 55987-4346

Mortgage

Document Number	604098
Date	Jul 17, 2017
Instrument	604098

Lender

Name	MERCHANTS BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2047

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	$2,254.00 (+18.63%) Homeowner's exemption	$244,100 (+14.76%) Land $40,600 Building $203,500	$244,100 (+14.76%) Land $40,600 Building $203,500
2025		$212,700 (+5.14%) Land $40,600 Building $172,100	$212,700 (+5.14%) Land $40,600 Building $172,100
2023	$1,900.00 Homeowner's exemption	$202,300 Land $39,000 Building $163,300	$202,300 Land $39,000 Building $163,300

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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