528 Wall St, Winona, MN 55987 Property Records

Winona County property record for 528 Wall St, Winona, MN 55987

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,088 sqft · built 1920
Lot Size	0.195 acres (8,494 sqft)
Owner	2 Individual Names on File
Tax Bill	$2,018 (2026)
Deeds & Mortgages	Aug 2023 Line of Credit Jan 2020 Mortgage + 1 more
APN	`32.200.8130`

Property Details

APN / Parcel Number

Primary APN	`32.200.8130`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,088 sqft Living Area
1st Floor Area	768 sqft
Basement Area	1,088 sqft
Unfinished Basement	1,088 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1995
Architectural Style	Ranch
Exterior Material	Other
Roof Type	Gable
Roof Material	Asphalt
Lot Area	8,494 sqft (0.195 acres)
Lot Dimensions	170 ft deep x 50 ft wide
Garage Type	Detached
Garage Area	884 sqft

Exterior Amenities

Porch	Open Porch
Porch Area	180 sqft
Shed	1 Shed
Shed Area	80 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	528 WALL ST
City	WINONA
State	MN
Zip	55987-4754
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SECT-25 TWP-107 RANGE-007 HAMILTON ADDITION LOT-007 BLOCK-00B E C HAMILTON'S 3RD ADDITION
Legal Range	007
Legal Township	107
Legal Section	25
Legal Subdivision	HAMILTON ADDITION
Legal Block	B
Legal Lot Number	7
Jurisdiction	WINONA MN
Township / Civil Division	WINONA
Census Block Group	2
Census Block	2035
Census Tract	670700

Owner

528 Wall St is owned and occupied by two individuals.

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

Owner of Record	2 Individual Names on File
Mailing Address	528 WALL ST, WINONA, MN 55987-4754
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

Date	Document
Aug 25, 2023	Deed of Trust, Mortgage · Line of Credit MERCHANTS BANK NA
Jan 29, 2020	Deed of Trust, Mortgage · Conventional Mortgage MERCHANTS BANK NA
Jul 3, 2019	Deed of Trust, Mortgage · Line of Credit MERCHANTS BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Oct 29, 2026

August 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINONA MN
Property Address	528 WALL ST, WINONA, MN 55987-4754
Transaction Type	Mortgage
Record Updated	Sep 19, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	528 WALL ST, WINONA, MN 55987-4754

Mortgage

Document Number	000A650550
Date	Aug 25, 2023
Instrument	A650550

Lender

Name	MERCHANTS BANK NA
Type	Bank
Address	WINONA, MN 55987

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Aug 25, 2053

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINONA MN
Property Address	528 WALL ST, WINONA, MN 55987-4754
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	622375
Date	Jan 29, 2020
Instrument	622375

Lender

Name	MERCHANTS BANK NA
Type	Bank
Address	WINONA, MN 55987

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2050

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINONA MN
Property Address	528 WALL ST, WINONA, MN 55987-4754
Transaction Type	Mortgage
Record Updated	Jul 22, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	617769
Date	Jul 3, 2019
Instrument	617769

Lender

Name	MERCHANTS BANK NA
Type	Bank
Address	WINONA, MN 55987

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	359 Months
Due	Jun 27, 2049

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

The 2026 property tax bill for 528 Wall St was $2,018 with a homeowner's exemption.

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	$2,018.00 Homeowner's exemption	$204,300 (+5.26%) Land $43,300 Building $161,000	$204,300 (+5.26%) Land $43,300 Building $161,000
2025		$194,100 Land $43,300 Building $150,800	$194,100 Land $43,300 Building $150,800
2023	$1,500.00 Homeowner's exemption	$178,800 Land $41,600 Building $137,200	$178,800 Land $41,600 Building $137,200

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 528 Wall St; there have been 12 flood claims nearby since 1982.

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

FEMA Flood Zone	Not on file
Flood Insurance Cost	Premium on File median of 23 policies
Nearby Flood Policies	23 in force
Nearby Flood Claims	12 (1982–2007)
Most Recent Claim	Aug 2007 · Severe Storms And Flooding
Claims by Event	Severe Storms And Flooding, Aug 2007 · 11 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 528 Wall 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 148 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Starlink Satellite	280 / 30

May also be available: GigFire, Hiawatha Broadband Communications, Verizon.

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