557 E Howard St, Winona, MN 55987 Property Records

Winona County property record for 557 E Howard St, Winona, MN 55987

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,326 sqft · built 1926
Lot Size	0.16 acres (6,970 sqft)
Owner	2 Individual Names on Record
Tax Bill	$3,252 (2026)
Deeds & Mortgages	Apr 2024 Transfer May 2018 Mortgage
APN	`32.100.0790`

Property Details

APN / Parcel Number

Primary APN	`32.100.0790`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,326 sqft Living Area
1st Floor Area	884 sqft
Flooring	Wood
Interior Walls	Plaster

Exterior

Year Built	Built 1926
Effective Year Built	Effective 2000
Exterior Material	Vinyl
Roof Type	Gable
Roof Material	Galvanized Metal
Lot Area	6,970 sqft (0.16 acres)
Lot Dimensions	140 ft deep x 50 ft wide
Garage Type	Detached
Garage Area	952 sqft

Exterior Amenities

Porch	Porch
Porch Area	258 sqft
Shed	1 Shed
Shed Area	80 sqft
Gazebo	192 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	557 E HOWARD ST
City	WINONA
State	MN
Zip	55987-4349
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SECT-26 TWP-107 RANGE-007 CURTIS 1ST ADDITION LOT-005 BLOCK-018 CURTIS & HUBBARDS ADD
Legal Range	007
Legal Township	107
Legal Section	26
Legal Subdivision	CURTIS 1ST ADDITION
Legal Block	18
Legal Lot Number	5
Jurisdiction	WINONA MN
Township / Civil Division	WINONA
Census Block Group	1
Census Block	1026
Census Tract	670700

Owner

Source: Winona County records, as of September 4, 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	557 E HOWARD ST, WINONA, MN 55987-4349
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 16, 2024	Transfer on Death Deed, Transfer
May 16, 2018	Deed of Trust, Mortgage · Conventional Mortgage MERCHANTS BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Apr 15, 2024
Transfer Doc	000A654206
Record Updated	Oct 29, 2026

April 2024: Transfer on Death Deed, Transfer

Document Type	Transfer on Death Deed
Jurisdiction	WINONA MN
Recording Date	Apr 16, 2024
Property Address	557 E HOWARD ST, WINONA, MN 55987-4349
Document Number	000A654206
Instrument Date	Apr 15, 2024
Instrument	A654206
Transaction Type	Transfer
Record Updated	May 8, 2024

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

May 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINONA MN
Property Address	557 E HOWARD ST, WINONA, MN 55987-4349
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	610040
Date	May 16, 2018
Instrument	610040

Lender

Name	MERCHANTS BANK NA
Type	Bank
Address	WINONA, MN 55987

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Jun 1, 2033

Tax Assessment & Valuation

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	$3,252.00 (+21.98%) Homeowner's exemption	$312,100 (+7.29%) Land $40,600 Building $271,500	$312,100 (+7.29%) Land $40,600 Building $271,500
2025		$290,900 (+5.86%) Land $40,600 Building $250,300	$290,900 (+5.86%) Land $40,600 Building $250,300
2023	$2,666.00 Homeowner's exemption	$274,800 Land $39,000 Building $235,800	$274,800 Land $39,000 Building $235,800

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	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 770 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
AT&T Fixed Wireless	100 / 20

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

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