Steele County property record for 531 E Main St, Owatonna, MN 55060 · Last verified August 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 3 Beds |
| Bathrooms | 1 Baths |
| Year Built | Built 1922 |
| Square Footage | 1,601 sqft Finished Area |
| Lot Size | 8,625 sqft (0.198 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $230,000 (2025) |
| Tax Bill | $2,550.00 (2026) |
| Primary APN | 17-136-0325 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Baths |
| Total Rooms | 9 Rooms |
| Building Area | 1,601 sqft Finished Area |
| Basement Area | 41 sqft Basement |
| Unfinished Basement | 41 sqft Unfinished |
| Stories | 2 Stories |
| Fireplace | Fireplace |
| Fireplaces | 1 Fireplaces |
| Year Built | Built 1922 |
|---|---|
| Effective Year Built | Effective 1922 |
| Exterior Material | Aluminum/Vinyl Exterior |
| Roof Construction | Gable Roof Construction |
| Roof Material | Asphalt Roof |
| Lot Area | 8,625 sqft (0.198 acres) |
| Parking Spaces | 1 Parking Spaces |
| Garage Type | Detached Garage |
| Garage Area | 240 sqft Garage |
| Cooling System | Central Cooling |
|---|---|
| Heating System | Forced Air with Air Conditioning Heating |
| Street Address | 531 E MAIN ST |
|---|---|
| City | OWATONNA |
| State | MN |
| Zip | 55060-3041 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | REPLAT OF HIGHLAND PARK - CHAMBERS BLK.3 LOT 25 RE-PLAT OF HIGHLAND PARK ADDN |
| Legal Subdivision | REPLAT OF HIGHLAND PARK - CHAMBERS |
| Legal Block | 3 |
| Legal Lot Number | 25 |
| Jurisdiction | STEELE MN |
| Minor Civil Division | OWATONNA |
| Census Blockgroup | 2 |
| Census Block | 2023 |
| Census Tract | 960200 |
Source: Steele County records · APN 17-136-0325
Assessment roll updated September 8, 2025 · Last verified August 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 File |
|---|---|
| Mailing Address | 531 E MAIN ST, OWATONNA, MN 55060-3041 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Dec 10, 2025 | Deed of Trust, Mortgage · Conventional Mortgage CROSSCOUNTRY MORTGAGE INC |
| Mar 24, 2006 | Deed of Trust, Mortgage · Line of Credit NATIONAL CITY BANK |
| Mar 07, 2013 | Deed of Trust, Mortgage · Conventional Mortgage PNC MORTGAGE LLC |
| Nov 12, 2025 | Warranty Deed, Transfer · Conventional Mortgage CROSSCOUNTRY MORTGAGE INC |
| May 19, 2023 | Warranty Deed, Transfer · Federal Housing Administration (FHA) Mortgage LUMINATE HOME LOANS INC |
| Mar 28, 2017 | Warranty Deed, Transfer · Veterans Administration Mortgage WINTRUST MORTGAGE CORP |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Nov 06, 2025 · Amount on Record |
| Deed Sale | Nov 06, 2025 · Amount on Record |
| Prior Sale | Oct 11, 2024 · Amount on Record |
| Deed Doc Number | 20251823560 |
| Record Refreshed | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | STEELE MN |
| Property Address | 531 E MAIN ST, OWATONNA, MN 55060-3041 |
| Transaction Type | Mortgage |
| Record Updated | Apr 03, 2026 |
| Name | Verified Name |
|---|
| Document Number | A000459423 |
|---|---|
| Date | Dec 10, 2025 |
| Instrument | A000459423 |
| Name | CROSSCOUNTRY MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Dec 01, 2055 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | STEELE MN |
| Property Address | 531 E MAIN ST, OWATONNA, MN 55060-3041 |
| Transaction Type | Mortgage |
| Record Updated | Apr 03, 2026 |
| Name | Verified Name |
|---|
| Document Number | A000339963 |
|---|---|
| Date | Mar 24, 2006 |
| Instrument | A000339963 |
| Name | NATIONAL CITY BANK |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Mar 20, 2036 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly (Revolving credit lines are monthly unless stated otherwise). |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | STEELE MN |
| Property Address | 531 E MAIN ST, OWATONNA, MN 55060-3041 |
| Transaction Type | Mortgage |
| Record Updated | Apr 03, 2026 |
| Name | Verified Name |
|---|
| Document Number | A000390129 |
|---|---|
| Date | Mar 07, 2013 |
| Instrument | A000390129 |
| Name | PNC MORTGAGE LLC |
|---|---|
| Type | Lending Institution |
| Address | MIAMISBURG, OH 45342 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Mar 01, 2033 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | STEELE MN |
| Recording Date | Nov 12, 2025 |
| Property Address | 531 E MAIN ST, OWATONNA, MN 55060-3041 |
| Document Number | A000459016 |
| Instrument Date | Nov 06, 2025 |
| Instrument | A000459016 |
| Transaction Type | Transfer |
| Record Updated | Apr 03, 2026 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $759.00 |
| Amount Accuracy | Rounded Values by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 531 E MAIN ST, OWATONNA, MN 55060-3041 |
| Document Number | A000459017 |
|---|---|
| Date | Nov 12, 2025 |
| Instrument | A000459017 |
| Name | CROSSCOUNTRY MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 01, 2055 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | STEELE MN |
| Recording Date | May 19, 2023 |
| Property Address | 531 E MAIN ST, OWATONNA, MN 55060-3041 |
| Document Number | A000448047 |
| Instrument Date | May 05, 2023 |
| Instrument | A000448047 |
| Transaction Type | Transfer |
| Record Updated | Jun 14, 2023 |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $570.90 |
| Amount Accuracy | Rounded Values by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 531 E MAIN ST, OWATONNA, MN 55060-3041 |
| Document Number | A000448048 |
|---|---|
| Date | May 19, 2023 |
| Instrument | A000448048 |
| Name | LUMINATE HOME LOANS INC |
|---|---|
| Type | Funding / Finance Company |
| Type | Federal Housing Administration (FHA) Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jun 01, 2053 |
| Document Number | A000448049 |
|---|---|
| Date | May 19, 2023 |
| Instrument | A000448049 |
| Name | LUMINATE HOME LOANS INC |
|---|---|
| Type | Funding / Finance Company |
| Type | Stand Alone First Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 01, 2053 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | STEELE MN |
| Recording Date | Mar 28, 2017 |
| Property Address | 531 E MAIN ST, OWATONNA, MN 55060-3041 |
| Document Number | A000412329 |
| Instrument Date | Mar 24, 2017 |
| Instrument | A000412329 |
| Transaction Type | Transfer |
| Record Updated | Sep 10, 2021 |
| Title Company | NORTH AMERICAN TITLE |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $407.55 |
| Amount Accuracy | Calculated from Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 531 E MAIN ST, OWATONNA, MN 55060-3041 |
| Document Number | A000412330 |
|---|---|
| Date | Mar 28, 2017 |
| Instrument | A000412330 |
| Name | WINTRUST MORTGAGE CORP |
|---|
| Type | Veterans Administration Mortgage |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Fixed Rate |
|---|
Source: Steele County records · Assessment roll updated September 8, 2025 · Last verified August 2026
| Type | Name |
|---|---|
| State | Minnesota |
| County | Steele County |
| Municipality | Owatonna City |
| Unified School District | Owatonna Public School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $2,550.00 (+10.68%) | ||
| 2025 | $2,304.00 (+1.59%) Homeowner's exemption | $192,300 (+15.22%) Land $27,200 Building $165,100 | $192,300 (+15.22%) Land $27,200 Building $165,100 |
| 2023 | $2,268.00 Homeowner's exemption | $166,900 Land $22,200 Building $144,700 | $166,900 Land $22,200 Building $144,700 |
Source: FEMA National Flood Hazard Layer, Steele County (27147C), updated November 11, 2014 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| Wildfire Risk | Not rated no burnable land in reach |
|---|---|
| Wildfire Likelihood | Negligible |
| Exposure | None beyond ember reach |
Values are read at the parcel center point; lenders make the official flood determination.
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