524 E Main St, Owatonna, MN 55060 Property Records

Steele County property record for 524 E Main St, Owatonna, MN 55060

Property Summary

Property Type	Single Family Home
Details	1 bd · 1 ba · 798 sqft · built 1890
Lot Size	0.25 acres (10,890 sqft)
Owner	Individual Name on File
Last Sale	$107,900 (Nov 2017)
Tax Bill	$1,792 (2026)
Deeds & Mortgages	Nov 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`17-010-2311`

Property Details

APN / Parcel Number

Primary APN	`17-010-2311`

Interior

Bedrooms	1 Bed
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	798 sqft Living Area

Exterior

Year Built	Built 1890
Effective Year Built	Effective 1890
Exterior Material	Other
Foundation Type	Stone
Roof Type	Gable
Roof Material	Asphalt
Lot Area	10,890 sqft (0.25 acres)
Garage Type	Detached
Garage Area	360 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	524 E MAIN ST
City	OWATONNA
State	MN
Zip	55060-3042
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	COM 2 R S & 14 R E OF NW COR OF SW1/4 OF SE1/4 TH S 81/2 R, TH E 4 R, TH N 81/2 R, TH W 4 R TO BEG. AND VACATED STREET
Legal Range	20
Legal Township	107
Legal Section	10
Jurisdiction	STEELE MN
Township / Civil Division	OWATONNA
Census Block Group	2
Census Block	2021
Census Tract	960200

Owner

524 E Main St is owned and occupied by an individual who bought it in November 2017.

Source: Steele County records, as of October 9, 2026

Owner of Record	Individual Name on File
Mailing Address	524 E MAIN ST, OWATONNA, MN 55060-3042
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.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 1, 2017 · Amount on File
Deed Sale	Nov 1, 2017 · Amount on File
Prior Sale	Feb 1, 2008 · Amount on File
Deed Document Number	2017415609
Record Updated	Oct 29, 2026

November 2017: Deed, Transfer

Document Type	Deed
Jurisdiction	STEELE MN
Recording Date	Nov 1, 2017
Property Address	524 E MAIN ST, OWATONNA, MN 55060-3042
Document Number	A000415609
Map Reference	PB 131 PG 164
Instrument Date	Oct 31, 2017
Instrument	A000415609
Transaction Type	Transfer
Record Updated	Sep 10, 2021
Title Company	NORTH AMERICAN TITLE

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$356.07
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	524 E MAIN ST, OWATONNA, MN 55060-3042

Mortgage

Document Number	A000415610
Date	Nov 1, 2017
Instrument	A000415610

Lender

Name	AMERICAN MTG & EQUITY CONSULT

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

The 2026 property tax bill for 524 E Main St was $1,792 with a homeowner's exemption.

Source: Steele County assessment roll, as of October 1, 2026

Property Jurisdictions

Type	Name
State	Minnesota
County	Steele County
Municipality	Owatonna City
Unified School District	Owatonna Public School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$1,792.00 Homeowner's exemption	$154,500 (+6.48%) Land $34,300 Building $120,200	$154,500 (+6.48%) Land $34,300 Building $120,200
2025		$145,100 Land $33,600 Building $111,500	$145,100 Land $33,600 Building $111,500
2023	$1,604.00 Homeowner's exemption	$126,100 Land $27,400 Building $98,700	$126,100 Land $27,400 Building $98,700

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

Flood

FEMA maps place 524 E Main St in Zone X, an area of minimal flood risk, though there have been 4 flood claims nearby since 2010.

Source: FEMA National Flood Hazard Layer, effective November 11, 2014 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Claims	4 (2010)
Claims Outside the SFHA	3 of 4
Most Recent Claim	Sep 2010 · Severe Storms And Flooding
Claims by Event	Severe Storms And Flooding, Sep 2010 · 4 claims

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

Wildfire risk around 524 E Main St 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 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	Owatonna serves 26,430 people · EPA ID MN1740007
Water Source	Groundwater
Last State Inspection	Dec 2025
Lead	2 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 458 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Metronet Fiber	5,120 / 5,120
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
GigFire Fixed Wireless	150 / 130
Midco Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20