Steele County property record for 525 E Main St, Owatonna, MN 55060
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 3,217 sqft · built 1924 |
| Lot Size | 0.445 acres (19,384 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $499,900 (Nov 2025) |
| Tax Bill | $5,324 (2026) |
| Deeds & Mortgages | Nov 2025 Sale & Mortgage Oct 2021 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 17-136-0326 |
| Primary APN | 17-136-0326 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 11 Rooms |
| Stories | 2 Stories |
| Building Area | 3,217 sqft Finished Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1924 |
|---|---|
| Effective Year Built | Effective 1924 |
| Exterior Material | Stucco |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 19,384 sqft (0.445 acres) |
| Garage Type | Detached |
| Garage Area | 541 sqft |
| Parking Spaces | 2 Parking Spaces |
| Heating System | Hot Water |
|---|
| Street Address | 525 E MAIN ST |
|---|---|
| City | OWATONNA |
| State | MN |
| Zip | 55060-3041 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | REPLAT OF HIGHLAND PARK - CHAMBERS BLK.3 N.7' OF L.5 & N.47' OF 4 & LOTS 26 & 27 RE-PLAT OF HIGHLAND PARK ADDN |
| Legal Subdivision | REPLAT OF HIGHLAND PARK - CHAMBERS |
| Legal Block | 3 |
| Legal Lot Number | 26-27 |
| Jurisdiction | STEELE MN |
| Township / Civil Division | OWATONNA |
| Census Block Group | 2 |
| Census Block | 2023 |
| Census Tract | 960200 |
Source: Steele County records, as of August 18, 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 | 525 E MAIN ST, OWATONNA, MN 55060-3041 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Nov 26, 2025 | Warranty Deed, Transfer · FHA Mortgage MUTUAL OF OMAHA MORTGAGE |
| Oct 1, 2021 | Warranty Deed, Transfer · Conventional Mortgage COMMUNITY BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 24, 2025 · Amount on Record |
| Deed Sale | Nov 24, 2025 · Amount on Record |
| Prior Sale | Oct 1, 2021 · Amount on Record |
| Prior Transfer Date | Sep 23, 2005 |
| Prior Transfer Doc | 0000335613 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | STEELE MN |
| Recording Date | Nov 26, 2025 |
| Property Address | 525 E MAIN ST, OWATONNA, MN 55060-3041 |
| Document Number | A000459261 |
| Instrument Date | Nov 24, 2025 |
| Instrument | A000459261 |
| Transaction Type | Transfer |
| Record Updated | Dec 18, 2025 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,649.67 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants in Common |
| Address | 525 E MAIN ST, OWATONNA, MN 55060-3041 |
| Document Number | A000459262 |
|---|---|
| Date | Nov 26, 2025 |
| Instrument | A000459262 |
| Name | MUTUAL OF OMAHA MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 1, 2055 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | STEELE MN |
| Recording Date | Oct 1, 2021 |
| Property Address | 525 E MAIN ST, OWATONNA, MN 55060-3041 |
| Document Number | A000438899 |
| Instrument Date | Sep 30, 2021 |
| Instrument | A000438899 |
| Transaction Type | Transfer |
| Record Updated | Jul 26, 2024 |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $462.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 622 E SCHOOL ST, OWATONNA, MN 55060-3109 |
| Document Number | A000438900 |
|---|---|
| Date | Oct 1, 2021 |
| Instrument | A000438900 |
| Name | COMMUNITY BANK |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 12 Months |
| Due | Oct 1, 2022 |
| Rate Type | Fixed Rate |
|---|
Source: Steele County assessment roll, as of September 8, 2025
| Type | Name |
|---|---|
| State | Minnesota |
| County | Steele County |
| Municipality | Owatonna City |
| Unified School District | Owatonna Public School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $5,324.00 (+40.25%) | ||
| 2025 | $3,796.00 (+48.98%) Homeowner's exemption | $365,100 (+116.93%) Land $45,100 Building $320,000 | $365,100 (+116.93%) Land $45,100 Building $320,000 |
| 2023 | $2,548.00 | $168,300 Land $36,800 Building $131,500 | $168,300 Land $36,800 Building $131,500 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
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 |
|
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.
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.
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 |
| 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.
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 |
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