524 W 7th St, Winona, MN 55987 Property Records

Winona County property record for 524 W 7th St, Winona, MN 55987

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,536 sqft · built 1890
Lot Size	0.11 acres (4,792 sqft)
Owner	Individual Name on Record
Last Sale	$174,000 (Aug 2021)
Tax Bill	$2,128 (2026)
Deeds & Mortgages	Jul 2023 Line of Credit Aug 2021 Sale & Mortgage
APN	`32.000.7160`

Property Details

APN / Parcel Number

Primary APN	`32.000.7160`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	1,536 sqft Living Area
1st Floor Area	572 sqft
Basement Area	964 sqft
Finished Basement	964 sqft
Flooring	Carpet
Interior Walls	Plaster

Exterior

Year Built	Built 1890
Effective Year Built	Effective 1993
Exterior Material	Stucco
Construction Type	Wood
Roof Type	Gable
Roof Material	Asphalt
Lot Area	4,792 sqft (0.11 acres)
Lot Dimensions	130 ft deep x 37 ft wide
Garage Type	Detached
Garage Area	400 sqft
Porch	Porch
Porch Area	144 sqft
Patio Area	160 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	524 W WABASHA ST
City	WINONA
State	MN
Zip	55987-5207
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SECT-22 TWP-107 RANGE-007 ORIGINAL PLAT LOT-005 BLOCK-111 ORIGINAL PLAT 37.30' ON 7TH ST IN LOTS 5 & 6
Legal Range	007
Legal Township	107
Legal Section	22
Legal Subdivision	ORIGINAL PLAT
Legal Block	111
Legal Lot Number	5-6
Jurisdiction	WINONA MN
Township / Civil Division	WINONA
Census Block Group	1
Census Block	1025
Census Tract	670400

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	Individual Name on Record
Mailing Address	524 W WABASHA ST, WINONA, MN 55987-5207
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 18, 2023	Deed of Trust, Mortgage · Line of Credit AFFINITY PLUS FCU
Aug 2, 2021	Deed, Transfer · Conventional Mortgage WINONA NATIONAL BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 2, 2021 · Amount on Record
Deed Sale	Aug 2, 2021 · Amount on Record
Prior Sale	Feb 4, 2019 · Amount on Record
Deed Document Number	2021635834
Record Updated	Oct 29, 2026

July 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINONA MN
Property Address	524 W 7TH ST, WINONA, MN 55987
Transaction Type	Mortgage
Record Updated	Aug 9, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000A649883
Date	Jul 18, 2023
Instrument	A649883

Lender

Name	AFFINITY PLUS FCU
Type	Credit Union
Address	SAINT PAUL, MN 55107

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	119 Months
Due	Jun 20, 2033

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	WINONA MN
Recording Date	Aug 2, 2021
Property Address	524 W 7TH ST, WINONA, MN 55987-5527
Document Number	0000635834
Instrument Date	Jun 30, 2021
Instrument	635834
Transaction Type	Transfer
Record Updated	Jul 29, 2022
Title Company	KNIGHT BARRY TITLE UNITED LLC, KNIGHT BARRY TTL UNITED LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$574.20
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	524 W WABASHA ST, WINONA, MN 55987-5207

Mortgage

Document Number	0000635835
Date	Aug 2, 2021
Instrument	635835

Lender

Name	WINONA NATIONAL BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Jul 1, 2051

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	$2,128.00 (+35.03%) Homeowner's exemption	$215,700 (+6.36%) Land $31,100 Building $184,600	$215,700 (+6.36%) Land $31,100 Building $184,600
2025		$202,800 (+18.18%) Land $31,100 Building $171,700	$202,800 (+18.18%) Land $31,100 Building $171,700
2023	$1,576.00 Homeowner's exemption	$171,600 Land $30,000 Building $141,600	$171,600 Land $30,000 Building $141,600

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 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Not on file
Nearby Flood Policies	5 in force
Nearby Flood Claims	4 (1997–2023)
Claims Outside the SFHA	1 of 4
Most Recent Claim	May 2023 · rainfall accumulation
Claims by Event	Severe Winter Storms, Flooding, And Tornadoes, May 2001 · 2 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

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 589 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
AT&T Fixed Wireless	100 / 20

May also be available: GigFire, Verizon.

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