551 E 5th St, Winona, MN 55987 Property Records

Winona County property record for 551 E 5th St, Winona, MN 55987

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,728 sqft · built 1900
Lot Size	0.172 acres (7,492 sqft)
Owner	2 Individual Names on Record
Last Sale	$359,000 (Aug 2025)
Tax Bill	$3,222 (2026)
Deeds & Mortgages	Jul 2025 Line of Credit Aug 2019 Mortgage + 2 more
APN	`32.200.1870`

Property Details

APN / Parcel Number

Primary APN	`32.200.1870`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	1,728 sqft Living Area
1st Floor Area	729 sqft
Flooring	Wood
Interior Walls	Plaster

Exterior

Year Built	Built 1900
Effective Year Built	Effective 2002
Exterior Material	Brick
Construction Type	Brick
Roof Type	Hip
Roof Material	Asphalt
Lot Area	7,492 sqft (0.172 acres)
Lot Dimensions	150 ft deep x 50 ft wide
Garage Type	Detached
Garage Area	784 sqft
Porch	Porch
Porch Area	130 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	551 E 5TH ST
City	WINONA
State	MN
Zip	55987-4236
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SECT-26 TWP-107 RANGE-007 HAMILTON ADDITION LOT-006 BLOCK-020
Legal Range	007
Legal Township	107
Legal Section	26
Legal Subdivision	HAMILTON ADDITION
Legal Block	20
Legal Lot Number	6
Jurisdiction	WINONA MN
Township / Civil Division	WINONA
Census Block Group	4
Census Block	4008
Census Tract	670700

Owner

Source: Winona County records, as of July 29, 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	551 E 5TH ST, WINONA, MN 55987-4236
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Jul 8, 2025	Deed of Trust, Mortgage · Line of Credit MERCHANTS BANK NA
Aug 15, 2019	Deed of Trust, Mortgage · Conventional Mortgage MERCHANTS BANK NA
Aug 19, 2020	Deed of Trust, Mortgage · Line of Credit MERCHANTS BANK
Aug 26, 2025	Warranty Deed, Transfer · Conventional Mortgage ALTRA FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 26, 2025 · Amount on Record
Deed Sale	Aug 26, 2025 · Amount on Record
Deed Document Number	2025662382
Record Updated	Sep 20, 2026

July 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINONA MN
Property Address	551 E 5TH ST, WINONA, MN 55987-4236
Transaction Type	Mortgage
Record Updated	Oct 10, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	551 E 5TH ST, GOODVIEW, MN 55987-4236

Mortgage

Document Number	000A661487
Date	Jul 8, 2025
Instrument	A661487

Lender

Name	MERCHANTS BANK NA
Type	Bank
Address	WINONA, MN 55987

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINONA MN
Property Address	551 E 5TH ST, WINONA, MN 55987-4236
Transaction Type	Mortgage
Record Updated	Oct 10, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000618627
Date	Aug 15, 2019
Instrument	618627

Lender

Name	MERCHANTS BANK NA
Type	Bank
Address	WINONA, MN 55987

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Sep 1, 2034

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINONA MN
Property Address	551 E 5TH ST, WINONA, MN 55987-4236
Transaction Type	Mortgage
Record Updated	Oct 10, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	551 E 5TH ST, WINONA, MN 55987-4236

Mortgage

Document Number	0000626757
Date	Aug 19, 2020
Instrument	626757

Lender

Name	MERCHANTS BANK
Type	Bank
Address	WINONA, MN 55987

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Aug 12, 2050

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WINONA MN
Recording Date	Aug 26, 2025
Property Address	551 E 5TH ST, WINONA, MN 55987-4236
Document Number	000A662382
Instrument Date	Aug 20, 2025
Instrument	A662382
Transaction Type	Transfer
Record Updated	Oct 10, 2025
Title Company	TOWN N COUNTRY TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,184.70
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	551 E 5TH ST, WINONA, MN 55987-4236

Mortgage

Document Number	000A662383
Date	Aug 26, 2025
Instrument	A662383

Lender

Name	ALTRA FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2055

Interest

Rate Type	Adjustable Rate
Rate	8%
Type Change Date	Sep 1, 2032
Change Frequency	Annually
Min Rate At Change	6%
Max Rate At Change	10%
Index	1-Year T-Bill
Max Rate	14%

Tax Assessment & Valuation

Source: Winona County assessment roll, as of August 5, 2025

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	$3,222.00 (+7.19%)
2025	$3,006.00 (+13.78%) Homeowner's exemption	$288,400 (+6.03%) Land $41,600 Building $246,800	$288,400 (+6.03%) Land $41,600 Building $246,800
2023	$2,642.00 Homeowner's exemption	$272,000 Land $40,000 Building $232,000	$272,000 Land $40,000 Building $232,000

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

Flood

Source: FEMA National Flood Hazard Layer

FEMA Flood Zone	Not on file

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within 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 841 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
AT&T Fixed Wireless	100 / 20

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

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