628 Main St, Winona, MN 55987 Property Records

Winona County property record for 628 Main St, Winona, MN 55987

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,635 sqft · built 1931
Lot Size	0.091 acres (3,964 sqft)
Owner	2 Individual Names on Record
Last Sale	$330,000 (Mar 2026)
Tax Bill	$2,080 (2026)
Deeds & Mortgages	Nov 2025 Mortgage Mar 2026 Sale & Mortgage
APN	`32.310.0510`

Property Details

APN / Parcel Number

Primary APN	`32.310.0510`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,635 sqft Living Area
1st Floor Area	1,066 sqft
Basement Area	1,114 sqft
Finished Basement	1,114 sqft
Flooring	Carpet
Interior Walls	Plaster

Exterior

Year Built	Built 1931
Effective Year Built	Effective 1992
Exterior Material	Stucco
Construction Type	Brick
Roof Type	Gable
Roof Material	Asphalt
Lot Area	3,964 sqft (0.091 acres)
Lot Dimensions	5 ft deep x 5 ft wide
Garage Type	Detached
Garage Area	198 sqft
Porch	Open Porch
Porch Area	42 sqft
Patio Area	196 sqft

Utilities, Heating & Cooling

Cooling System	None
Heating System	Hot Water

Location & Zoning

Street Address	628 MAIN ST
City	WINONA
State	MN
Zip	55987-3329
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SECT-27 TWP-107 RANGE-007 LAKEVIEW ADDITION LOT-014 BLOCK-018 WLY 80' EX: HWY #43 BEING 5' X 5' TRIANGLE IN SW CORNER LOT 14
Legal Range	007
Legal Township	107
Legal Section	27
Legal Subdivision	LAKEVIEW ADD
Legal Block	18
Legal Lot Number	14
Jurisdiction	WINONA MN
Township / Civil Division	WINONA
Census Block Group	3
Census Block	3005
Census Tract	670600

Owner

Source: Winona County records, as of September 4, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	628 MAIN ST, WINONA, MN 55987-3329
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Nov 14, 2025	Deed of Trust, Mortgage · Commercial Mortgage FORESIGHT BANK
Mar 31, 2026	Warranty Deed, Transfer · Conventional Mortgage ALTRA FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 31, 2026 · Amount on Record
Deed Sale	Mar 31, 2026 · Amount on Record
Prior Sale	May 7, 2025 · Amount on Record
Deed Document Number	2026665855
Record Updated	Oct 29, 2026

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINONA MN
Property Address	628 MAIN ST, WINONA, MN 55987-3329
Transaction Type	Mortgage
Record Updated	Jun 26, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5690 CAMBRIDGE HILL RD SE, ROCHESTER, MN 55904-8700

Mortgage

Document Number	000A663761
Date	Nov 14, 2025
Instrument	A663761

Lender

Name	FORESIGHT BANK
Type	Bank
Address	PLAINVIEW, MN 55964

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	12 Months
Due	Nov 13, 2026

March 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WINONA MN
Recording Date	Mar 31, 2026
Property Address	628 MAIN ST, WINONA, MN 55987-3329
Document Number	000A665855
Instrument Date	Mar 30, 2026
Instrument	A665855
Transaction Type	Transfer
Record Updated	Jun 26, 2026
Title Company	ROCHESTER TITLE AND ESCROW COMPANY, ROCHESTER TITLE & ESCROW CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,089.00
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	628 MAIN ST, WINONA, MN 55987-3329

Mortgage

Document Number	000A665856
Date	Mar 31, 2026
Instrument	A665856

Lender

Name	ALTRA FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2056

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	$2,080.00 (+25.91%) Homeowner's exemption	$224,300 (+12.77%) Land $31,600 Building $192,700	$224,300 (+12.77%) Land $31,600 Building $192,700
2025		$198,900 (+11.18%) Land $31,600 Building $167,300	$198,900 (+11.18%) Land $31,600 Building $167,300
2023	$1,652.00 Homeowner's exemption	$178,900 Land $30,400 Building $148,500	$178,900 Land $30,400 Building $148,500

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 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Not on file
Nearby Flood Claims	3 (1991–2001)
Most Recent Claim	Apr 2001 · Severe Winter Storms, Flooding, And Tornadoes

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

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Hiawatha Broadband Communications Cable · Fiber in parts of the area	1,000 / 30
Starlink Satellite	280 / 30
AT&T Fixed Wireless	100 / 20

May also be available: GigFire, Verizon.

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