522 E Sarnia St, Winona, MN 55987 Property Records

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

Property Summary

Property Type	Single Family Home
Details	5 bd · 2 ba · 2,262 sqft · built 1956
Lot Size	0.162 acres (7,057 sqft)
Owner	2 Trust Names on File
Last Sale	$205,000 (Aug 2016)
Tax Bill	$3,464 (2026)
Deeds & Mortgages	Oct 2025 Transfer Nov 2021 Mortgage + 1 more
APN	`32.115.0180`

Property Details

APN / Parcel Number

Primary APN	`32.115.0180`

Interior

Bedrooms	5 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	2,262 sqft Living Area
1st Floor Area	1,131 sqft
Basement Area	1,131 sqft
Finished Basement	1,131 sqft
Flooring	Carpet
Interior Walls	Plaster

Exterior

Year Built	Built 1956
Effective Year Built	Effective 2001
Exterior Material	Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	7,057 sqft (0.162 acres)
Lot Dimensions	150 ft deep x 30 ft wide
Garage Type	Detached
Garage Area	400 sqft
Porch	Open Porch
Porch Area	195 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	522 E SARNIA ST
City	WINONA
State	MN
Zip	55987-4366
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SECT-26 TWP-107 RANGE-007 CURTIS 4TH ADDITION LOT-008 BLOCK-003 PT OF LOTS 6,7,8 BLK 3
Legal Range	007
Legal Township	107
Legal Section	26
Legal Subdivision	CURTIS 4TH ADDITION
Legal Block	3
Legal Lot Number	6-8
Jurisdiction	WINONA MN
Township / Civil Division	WINONA
Census Block Group	2
Census Block	2040
Census Tract	670600

Owner

522 E Sarnia St is owner-occupied and held in a trust since October 2021.

Source: Winona County records, as of September 4, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Trust Names on File
Mailing Address	522 E SARNIA ST, WINONA, MN 55987-4366
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Revocable Trust

Deeds, Mortgages & Sale History

Date	Document
Oct 2, 2025	Intrafamily Transfer, Transfer
Nov 1, 2021	Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BANK NA
Oct 18, 2021	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 22, 2016 · Amount on File
Deed Sale	Aug 22, 2016 · Amount on File
Deed Document Number	2016597176
Last Transfer Date	Oct 13, 2021
Transfer Doc	0000637758
Record Updated	Oct 29, 2026

October 2025: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	WINONA MN
Recording Date	Oct 2, 2025
Property Address	522 E SARNIA ST, WINONA, MN 55987-4366
Document Number	000A663036
Instrument Date	Sep 26, 2025
Instrument	A663036
Transaction Type	Transfer
Record Updated	Jan 13, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	522 E SARNIA ST, WINONA, MN 55987-4366

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINONA MN
Property Address	522 E SARNIA ST, WINONA, MN 55987-4366
Transaction Type	Mortgage
Record Updated	Jun 14, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000638210
Date	Nov 1, 2021
Instrument	638210

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Nov 1, 2036

October 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	WINONA MN
Recording Date	Oct 18, 2021
Property Address	522 E SARNIA ST, WINONA, MN 55987-4366
Document Number	0000637758
Instrument Date	Oct 13, 2021
Instrument	637758
Transaction Type	Transfer
Record Updated	Dec 27, 2021

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	522 E SARNIA ST, WINONA, MN 55987-4366

Tax Assessment & Valuation

The 2026 property tax bill for 522 E Sarnia St was $3,464, up 7.7% from the year before.

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	$3,464.00 (+7.71%)	$325,500 (+11.97%) Land $41,800 Building $283,700	$325,500 (+11.97%) Land $41,800 Building $283,700
2025	$3,216.00	$290,700 Land $41,800 Building $248,900	$290,700 Land $41,800 Building $248,900
2023	$2,730.00	$268,200 Land $40,000 Building $228,200	$268,200 Land $40,000 Building $228,200

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

Flood

FEMA has no flood map on file for 522 E Sarnia St.

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

Wildfire risk around 522 E Sarnia St is low, with 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 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 245 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

May also be available: Hiawatha Broadband Communications, Verizon.

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