545 18th St SE, Owatonna, MN 55060 Property Records

Steele County property record for 545 18th St SE, Owatonna, MN 55060

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,631 sqft · built 1998
Lot Size	0.398 acres (17,337 sqft)
Owner	2 Individual Names on File
Last Sale	$350,000 (Mar 2025)
Tax Bill	$5,694 (2026)
Deeds & Mortgages	Jan 2026 Line of Credit Oct 2021 Transfer
Flood Zone	Zone X (minimal risk)
APN	`17-438-0203`

Property Details

APN / Parcel Number

Primary APN	`17-438-0203`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	11 Rooms
Stories	1 Story
Building Area	2,631 sqft Finished Area
Basement Area	1,055 sqft
Finished Basement	1,055 sqft
Unfinished Basement	1,055 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1998
Effective Year Built	Effective 1998
Exterior Material	Aluminum/Vinyl
Foundation Type	Block
Roof Type	Gable
Roof Material	Asphalt
Lot Area	17,337 sqft (0.398 acres)
Garage Type	Attached
Garage Area	1,087 sqft
Parking Spaces	3 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	545 18TH ST SE
City	OWATONNA
State	MN
Zip	55060-4132
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LAMAW BLK 2 LOT 3 LAMAW ADDN & ALL THAT PART BLK 2 LOT 2 LAMAW LYING E FOLLOWING DESCRIBED LN COM NW COR LOT 2 E44.5'
Legal Section	TW
Legal Subdivision	LAMAW
Legal Block	2
Legal Lot Number	3-2
Jurisdiction	STEELE MN
Township / Civil Division	OWATONNA
Census Block Group	3
Census Block	3012
Census Tract	960700

Owner

545 18th St SE is owned and occupied by two individuals who bought it in March 2025.

Source: Steele County records, as of October 20, 2026

Owner of Record	2 Individual Names on File
Mailing Address	545 18TH ST SE, OWATONNA, MN 55060-4132
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
Jan 12, 2026	Deed of Trust, Mortgage · Line of Credit OWATONNA AUTO CLINIC LLC
Oct 28, 2021	Transfer on Death Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 3, 2025 · Amount on File
Deed Sale	Mar 3, 2025 · Amount on File
Deed Document Number	20251739217
Prior Transfer Date	Oct 27, 2021
Prior Transfer Doc	0000439443
Record Updated	Oct 29, 2026

January 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STEELE MN
Property Address	545 18TH ST SE, OWATONNA, MN 55060-4132
Transaction Type	Mortgage
Record Updated	Feb 4, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	A000459862
Date	Jan 12, 2026
Instrument	A000459862

Lender

Name	OWATONNA AUTO CLINIC LLC
Type	Funding / Finance Company

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	192 Months
Due	Jan 1, 2041

October 2021: Transfer on Death Deed, Transfer

Document Type	Transfer on Death Deed
Jurisdiction	STEELE MN
Recording Date	Oct 28, 2021
Property Address	545 18TH ST SE, OWATONNA, MN 55060-4132
Document Number	A000439443
Instrument Date	Oct 27, 2021
Instrument	A000439443
Transaction Type	Transfer
Record Updated	Dec 27, 2021

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	545 18TH ST SE, OWATONNA, MN 55060-4132

Tax Assessment & Valuation

The 2026 property tax bill for 545 18th St SE was $5,694 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	$5,694.00 Homeowner's exemption	$423,200 (+9.04%) Land $63,800 Building $359,400	$423,200 (+9.04%) Land $63,800 Building $359,400
2025		$388,100 Land $61,400 Building $326,700	$388,100 Land $61,400 Building $326,700
2023	$5,506.00 Homeowner's exemption	$368,100 Land $55,000 Building $313,100	$368,100 Land $55,000 Building $313,100

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

Flood

FEMA maps place 545 18th St SE 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 545 18th St SE 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 99.1% of the US · lower than 96% 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 488 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: AT&T, Minnesota WiFi.

Nearby Properties on 18th St SE

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures