Winona County property record for 578 E 4th St, Winona, MN 55987 · Last verified July 2026
| Property Type | Commercial |
|---|---|
| Details | 4,000 sqft · built 1882 |
| Lot Size | 0.321 acres (13,983 sqft) |
| Owner | Company Name on File |
| Last Sale | $292,000 (Mar 2021) |
| Tax Bill | $4,640 (2026) |
| Deeds & Mortgages | Aug 2025 Line of Credit Mar 2021 Sale & Line of Credit |
| APN | 32.200.1270 |
| Primary APN | 32.200.1270 |
|---|
| Stories | 1 Story |
|---|---|
| Building Area | 4,000 sqft Total Area |
| 1st Floor Area | 4,000 sqft |
| Year Built | Built 1882 |
|---|---|
| Effective Year Built | Effective 1882 |
| Exterior Material | Vinyl |
| Fire Resistance | Wood or Wood & Steel Frame |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 13,983 sqft (0.321 acres) |
| Lot Dimensions | 140 ft deep x 50 ft wide |
| Total Buildings | 2 Buildings |
| Cooling System | Central |
|---|---|
| Heating System | Floor/Wall Furnace |
| Street Address | 578 E 4TH ST |
|---|---|
| City | WINONA |
| State | MN |
| Zip | 55987-4282 |
| Property Category | Commercial |
| Property Type | Commercial > Retail |
| Legal Description | SECT-26 TWP-107 RANGE-007 HAMILTON ADDITION LOT-012 BLOCK-012 |
| Legal Range | 007 |
| Legal Township | 107 |
| Legal Section | 26 |
| Legal Subdivision | HAMILTON ADDITION |
| Legal Block | 12 |
| Legal Lot Number | 12 |
| Jurisdiction | WINONA MN |
| Township / Civil Division | WINONA |
| Census Block Group | 3 |
| Census Block | 3035 |
| Census Tract | 670700 |
Source: Winona County records · APN 32.200.1270
Assessment roll updated August 5, 2025 · Last verified July 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Company Name on File |
|---|---|
| Mailing Address | 911 BIRCH BLVD, WINONA, MN 55987-4141 |
| Owner Type | Company |
| Vesting | Company |
| Date | Document |
|---|---|
| Aug 14, 2025 | Deed of Trust, Mortgage · Line of Credit MERCHANTS BANK NA |
| Mar 16, 2021 | Warranty Deed, Transfer · Line of Credit MERCHANTS BANK NA |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Mar 16, 2021 · Amount on Record |
| Deed Sale | Mar 16, 2021 · Amount on Record |
| Deed Document Number | 2021632119 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WINONA MN |
| Property Address | 578 E 4TH ST, WINONA, MN 55987-4282 |
| Transaction Type | Mortgage |
| Record Updated | Oct 07, 2025 |
| Name | Verified Name |
|---|---|
| Address | 911 BIRCH BIVD, WILSON, MN 55987 |
| Document Number | 000A662174 |
|---|---|
| Date | Aug 14, 2025 |
| Instrument | A662174 |
| Name | MERCHANTS BANK NA |
|---|---|
| Type | Bank |
| Address | WINONA, MN 55987 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 12 Months |
| Due | Aug 01, 2026 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | WINONA MN |
| Recording Date | Mar 16, 2021 |
| Property Address | 578 E 4TH ST, WINONA, MN 55987-4282 |
| Document Number | 632119 |
| Instrument Date | Mar 15, 2021 |
| Instrument | 632119 |
| Transaction Type | Transfer |
| Record Updated | Jul 05, 2021 |
| Title Company | TOWN N COUNTRY TITLE LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $963.60 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 911 BIRCH BLVD, WINONA, MN 55987-4141 |
| Document Number | 632120 |
|---|---|
| Date | Mar 16, 2021 |
| Instrument | 632120 |
| Name | MERCHANTS BANK NA |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Mar 15, 2041 |
| Rate Type | Adjustable Rate |
|---|
Source: Winona County records · Assessment roll updated August 5, 2025 · Last verified July 2026
| Type | Name |
|---|---|
| State | Minnesota |
| County | Winona County |
| Municipality | Winona City |
| Unified School District | Winona Area Public School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $4,640.00 (+10.21%) | ||
| 2025 | $286,300 (-2.22%) Land $61,200 Building $225,100 | $286,300 (-2.22%) Land $61,200 Building $225,100 | |
| 2023 | $4,210.00 | $292,800 Land $57,800 Building $235,000 | $292,800 Land $57,800 Building $235,000 |
Source: FEMA National Flood Hazard Layer · FEMA OpenFEMA NFIP redacted claims and policies, census block group 271696707003, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | FEMA flood map data for this location is not available in our records |
|---|---|
| Flood Insurance Cost | Premium on Record median of 1 individual NFIP policies nearby |
| Nearby Flood Policies | 1 in force |
| Nearby Flood Claims | 2 (1979–2001) |
| Claims Outside the SFHA | 1 of 2 |
| Most Recent Claim | May 2001, river or lake flooding, Severe Winter Storms, Flooding, And Tornadoes |
| Wildfire Risk | Not rated no burnable land in reach |
|---|---|
| Wildfire Likelihood | Negligible |
| Exposure | None beyond ember reach |
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.
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