609 Ridge Rd, Owatonna, MN 55060 Property Records

Steele County property record for 609 Ridge Rd, Owatonna, MN 55060

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,546 sqft · built 1948
Lot Size	1.72 acres (75,010 sqft)
Owner	2 Individual Names on Record
Last Sale	$305,000 (Oct 2020)
Tax Bill	$6,228 (2026)
Deeds & Mortgages	Oct 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`17-141-0106`

Property Details

APN / Parcel Number

Primary APN	`17-141-0106`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	11 Rooms
Stories	1 Story
Building Area	2,546 sqft Finished Area
Basement Area	892 sqft
Finished Basement	892 sqft
Unfinished Basement	892 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1948
Effective Year Built	Effective 1948
Exterior Material	Wood
Foundation Type	Block
Roof Type	Gable
Roof Material	Asphalt
Lot Area	75,010 sqft (1.72 acres)
Garage Type	Detached
Garage Area	780 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	609 RIDGE RD
City	OWATONNA
State	MN
Zip	55060-1930
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	MAPLE CREEK BLK.1 LOT 6 MAPLE CREEK
Legal Section	TW
Legal Subdivision	MAPLE CREEK
Legal Block	1
Legal Lot Number	6
Jurisdiction	STEELE MN
Township / Civil Division	OWATONNA
Census Block Group	4
Census Block	4016
Census Tract	960200

Owner

Source: Steele County records, as of October 20, 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	609 RIDGE RD, OWATONNA, MN 55060-1930
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 21, 2020 · Amount on Record
Deed Sale	Oct 21, 2020 · Amount on Record
Prior Sale	Oct 3, 2016 · Amount on Record
Deed Document Number	2020432180
Record Updated	Oct 29, 2026

October 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	STEELE MN
Recording Date	Oct 21, 2020
Property Address	609 RIDGE RD, OWATONNA, MN 55060-1930
Document Number	A000432180
Instrument Date	Oct 15, 2020
Instrument	A000432180
Transaction Type	Transfer
Record Updated	Aug 16, 2022
Title Company	ROCHESTER TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,006.50
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	609 RIDGE RD, OWATONNA, MN 55060-1930

Mortgage

Document Number	A000432181
Date	Oct 21, 2020
Instrument	A000432181

Lender

Name	HOME TOWN FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2050

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

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	$6,228.00 (+10.27%) Homeowner's exemption	$435,300 (+3.3%) Land $108,400 Building $326,900	$435,300 (+3.3%) Land $108,400 Building $326,900
2025		$421,400 (+11.28%) Land $108,400 Building $313,000	$421,400 (+11.28%) Land $108,400 Building $313,000
2023	$5,648.00 Homeowner's exemption	$378,700 Land $103,500 Building $275,200	$378,700 Land $103,500 Building $275,200

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, effective November 11, 2014 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	9 in force
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

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

Wildfire Risk	Low lower than 98% of the US · lower than 92% 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 357 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Metronet Fiber	5,120 / 5,120
Spectrum Cable	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: Minnesota WiFi.

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