577 E Howard St, Winona, MN 55987 Property Records

Winona County property record for 577 E Howard St, Winona, MN 55987

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,112 sqft · built 1941
Lot Size	0.094 acres (4,095 sqft)
Owner	2 Individual Names on Record
Last Sale	$212,500 (Oct 2023)
Tax Bill	$2,172 (2026)
Deeds & Mortgages	Sep 2023 Line of Credit Oct 2023 Sale & Mortgage
APN	`32.240.2390`

Property Details

APN / Parcel Number

Primary APN	`32.240.2390`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,112 sqft Living Area
1st Floor Area	720 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1941
Effective Year Built	Effective 2001
Exterior Material	Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	4,095 sqft (0.094 acres)
Lot Dimensions	75 ft deep x 55 ft wide
Garage Area	216 sqft
Porch	Porch
Porch Area	45 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	577 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 HUBBARDS ADDITION LOT-001 BLOCK-018 NLY 75' LOT 1 & NLY 75' OF ELY 5' LOT 2
Legal Range	007
Legal Township	107
Legal Section	26
Legal Subdivision	HUBBARDS ADDITION
Legal Block	18
Legal Lot Number	1-2
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	577 E HOWARD ST, WINONA, MN 55987-4349
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 6, 2023	Deed of Trust, Mortgage · Line of Credit AMERANT BANK NA
Oct 6, 2023	Warranty Deed, Transfer · Commercial Mortgage CITIZENS FIRST BANK INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 6, 2023 · Amount on Record
Deed Sale	Oct 6, 2023 · Amount on Record
Deed Document Number	2023651318
Prior Transfer Date	May 22, 2015
Prior Transfer Doc	A588002
Record Updated	Oct 29, 2026

September 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINONA MN
Property Address	577 E HOWARD ST, WINONA, MN 55987-4349
Transaction Type	Mortgage
Record Updated	Oct 11, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	577 E HOWARD ST, WINONA, MN 55987-4349

Mortgage

Document Number	000A650740
Date	Sep 6, 2023
Instrument	A650740

Lender

Name	AMERANT BANK NA
Type	Bank
Address	WINONA, MN 55987

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2053

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WINONA MN
Recording Date	Oct 6, 2023
Property Address	577 E HOWARD ST, WINONA, MN 55987-4349
Document Number	000A651318
Instrument Date	Sep 29, 2023
Instrument	A651318
Transaction Type	Transfer
Record Updated	Oct 26, 2023
Title Company	TOWN N COUNTRY TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$701.25
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	577 E HOWARD ST, WINONA, MN 55987-4349

Mortgage

Document Number	000A651319
Date	Oct 6, 2023
Instrument	A651319

Lender

Name	CITIZENS FIRST BANK INC
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

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	$2,172.00 (+67.08%) Homeowner's exemption	$222,800 (+8.05%) Land $31,200 Building $191,600	$222,800 (+8.05%) Land $31,200 Building $191,600
2025		$206,200 (+33.38%) Land $31,200 Building $175,000	$206,200 (+33.38%) Land $31,200 Building $175,000
2023	$1,300.00 Homeowner's exemption	$154,600 Land $30,000 Building $124,600	$154,600 Land $30,000 Building $124,600

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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