531 E School St, Owatonna, MN 55060 Property Records

Steele County property record for 531 E School St, Owatonna, MN 55060

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,720 sqft · built 1952
Lot Size	0.303 acres (13,199 sqft)
Owner	2 Individual Names on File
Last Sale	$282,000 (Jun 2025)
Tax Bill	$3,464 (2026)
Deeds & Mortgages	Jun 2022 Mortgage Mar 2023 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`17-015-1439`

Property Details

APN / Parcel Number

Primary APN	`17-015-1439`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,720 sqft Living Area
Basement Area	720 sqft
Finished Basement	720 sqft

Exterior

Year Built	Built 1952
Effective Year Built	Effective 1952
Exterior Material	Other
Foundation Type	Block
Roof Type	Hip
Roof Material	Asphalt
Lot Area	13,199 sqft (0.303 acres)
Garage Type	Attached
Garage Area	368 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	531 E SCHOOL ST
City	OWATONNA
State	MN
Zip	55060-3027
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	COM. 351.5' E. OF 1/4 POST OF N. LINE SEC. S.198'-E.80'-N.198' TO N. LINE SEC. W.80' TO BEG
Legal Range	20
Legal Township	107
Legal Section	15
Jurisdiction	STEELE MN
Township / Civil Division	OWATONNA
Census Block Group	1
Census Block	1004
Census Tract	960700

Owner

531 E School St is owned and occupied by two individuals who bought it in June 2025.

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

Owner of Record	2 Individual Names on File
Mailing Address	531 E SCHOOL ST, OWATONNA, MN 55060-3027
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
Jun 23, 2022	Deed of Trust, Mortgage · USDA Mortgage USDA
Mar 21, 2023	Warranty Deed, Transfer · VA Mortgage AMERICAN FINANCIAL NETWORK INC
Jan 26, 2022	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 20, 2025 · Amount on File
Deed Sale	Jun 20, 2025 · Amount on File
Prior Sale	Mar 17, 2023 · Amount on File
Deed Document Number	20251775036
Prior Transfer Date	May 13, 2005
Prior Transfer Doc	0000332210
Record Updated	Oct 29, 2026

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STEELE MN
Property Address	531 E SCHOOL ST, OWATONNA, MN 55060-3027
Transaction Type	Mortgage
Record Updated	Jan 27, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	A000443382
Date	Jun 23, 2022
Instrument	A000443382

Lender

Name	USDA
Type	Government Agency

Agreement

Type	USDA Mortgage
Amount	Amount on Record

Interest

Rate Type	Fixed Rate

March 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	STEELE MN
Recording Date	Mar 21, 2023
Property Address	531 E SCHOOL ST, OWATONNA, MN 55060-3027
Document Number	A000446781
Instrument Date	Mar 15, 2023
Instrument	A000446781
Transaction Type	Transfer
Record Updated	Apr 12, 2023
Title Company	TRADEMARK TITLE SERVICES INC, TRADEMARK TITLE SVCS INC

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$791.67
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	531 E SCHOOL ST, OWATONNA, MN 55060-3027

Mortgage

Document Number	A000446782
Date	Mar 21, 2023
Instrument	A000446782

Lender

Name	AMERICAN FINANCIAL NETWORK INC
Type	Funding / Finance Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2053

January 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	STEELE MN
Recording Date	Jan 26, 2022
Property Address	531 E SCHOOL ST, OWATONNA, MN 55060-3027
Document Number	A000441104
Instrument Date	Jan 3, 2022
Instrument	A000441104
Transaction Type	Transfer
Record Updated	Nov 15, 2022

Transaction

Tax	$1.65
Amount Accuracy	Rounded by County
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	531 E SCHOOL ST, OWATONNA, MN 55060-3027

Tax Assessment & Valuation

The 2026 property tax bill for 531 E School St was $3,464 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	$3,464.00 Homeowner's exemption	$272,700 (+9.39%) Land $46,200 Building $226,500	$272,700 (+9.39%) Land $46,200 Building $226,500
2025		$249,300 Land $46,200 Building $203,100	$249,300 Land $46,200 Building $203,100
2023	$3,012.00 Homeowner's exemption	$214,500 Land $36,100 Building $178,400	$214,500 Land $36,100 Building $178,400

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

Flood

FEMA maps place 531 E School St in Zone X, an area of minimal flood risk, though there have been 1 flood claim 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	1 (2010)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Sep 2010 · Severe Storms And Flooding

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 531 E School 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 363 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Metronet Fiber	5,120 / 5,120
Spectrum Cable · Fiber in parts of the area	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

May also be available: Minnesota WiFi.

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