640 Northgate Dr, Winsted, MN 55395 Property Records

McLeod County property record for 640 Northgate Dr, Winsted, MN 55395

Property Summary

Property Type	Single Family Home
Details	5 bd · 1 ba · 1,008 sqft · built 1977
Lot Size	0.208 acres (9,100 sqft)
Owner	Individual Name on File
Last Sale	$160,000 (Jan 2018)
Tax Bill	$2,872 (2026)
Deeds & Mortgages	May 2022 Mortgage Feb 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`21.108.0410`

Property Details

APN / Parcel Number

Primary APN	`21.108.0410`

Interior

Bedrooms	5 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,008 sqft Total Area
1st Floor Area	1,008 sqft
Basement Area	623 sqft
Finished Basement	623 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1977
Effective Year Built	Effective 1977
Exterior Material	Brick/Stone
Roof Type	Gable
Roof Material	Asphalt
Lot Area	9,100 sqft (0.208 acres)
Lot Dimensions	91 ft deep x 100 ft wide
Garage Type	Carport
Garage Area	672 sqft
Carport	Carport
Carport Area	672 sqft
Parking Spaces	2 Parking Spaces
Shed	1 Shed
Shed Area	64 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Hot Water

Location & Zoning

Street Address	640 NORTHGATE DR
City	WINSTED
State	MN
Zip	55395-1056
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	NORTHGATE ESTATES LOT-013 BLOCK-002
Legal Subdivision	NORTHGATE ESTATES
Legal Block	2
Legal Lot Number	13
Jurisdiction	MCLEOD MN
Township / Civil Division	WINSTED
Census Block Group	1
Census Block	1010
Census Tract	950100

Owner

640 Northgate Dr is owned and occupied by an individual who bought it in January 2018.

Source: McLeod County records, as of April 14, 2026

Owner of Record	Individual Name on File
Mailing Address	640 NORTHGATE DR, WINSTED, MN 55395-1056
Occupancy	Owner Occupied
Owner Type	Individual

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

Deeds, Mortgages & Sale History

Date	Document
May 25, 2022	Deed of Trust, Mortgage · Conventional Mortgage FREEDOM MORTGAGE
Feb 19, 2020	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE
Jan 24, 2018	Warranty Deed, Transfer EDINA REALTY TITLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 24, 2018 · Amount on File
Deed Sale	Jan 24, 2018 · Amount on File
Deed Document Number	201862452
Record Updated	Jun 8, 2026

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCLEOD MN
Property Address	640 NORTHGATE DR, WINSTED, MN 55395-1056
Transaction Type	Mortgage
Record Updated	Jun 22, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000069479
Date	May 25, 2022
Instrument	69479

Lender

Name	FREEDOM MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2052

Interest

Rate Type	Fixed Rate

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCLEOD MN
Property Address	640 NORTHGATE DR, WINSTED, MN 55395-1056
Transaction Type	Mortgage
Record Updated	Mar 25, 2020

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	65240
Date	Feb 19, 2020
Instrument	65240

Lender

Name	FREEDOM MORTGAGE
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 1, 2050

Interest

Rate Type	Fixed Rate

January 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MCLEOD MN
Recording Date	Jan 24, 2018
Property Address	640 NORTHGATE DR, WINSTED, MN 55395-1056
Document Number	0000062452
Instrument Date	Nov 30, 2017
Instrument	62452
Transaction Type	Transfer
Record Updated	Mar 8, 2022
Title Company	EDINA REALTY TITLE

Transaction

Amount	Amount on Record
Tax	$528.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	640 NORTHGATE DR, WINSTED, MN 55395-1056

Tax Assessment & Valuation

The 2026 property tax bill for 640 Northgate Dr was $2,872 with a homeowner's exemption.

Source: McLeod County assessment roll, as of March 24, 2026

Property Jurisdictions

Type	Name
State	Minnesota
County	McLeod County
Municipality	Winsted City
Unified School District	Howard Lake-Waverly-Winsted (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$2,872.00 Homeowner's exemption
2025		$210,900 Land $48,900 Building $162,000	$210,900 Land $48,900 Building $162,000
2022		$187,400 Land $46,400 Building $141,000	$187,400 Land $46,400 Building $141,000
2019	$2,190.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 640 Northgate Dr in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective January 23, 2019 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	3 in force
Nearby Flood Claims	1 (2014)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Mar 2014 · other causes

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

Wildfire risk around 640 Northgate Dr is low, with less than a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 97% of the US · lower than 89% of Minnesota
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

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	Winsted serves 2,226 people · EPA ID MN1430010
Water Source	Groundwater
Last State Inspection	Dec 2024
Lead	Under 1 ppb (2021–2023) 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 213 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Metronet Fiber	5,120 / 5,120
Mediacom Xtream Cable · Fiber in parts of the area	2,000 / 1,000
TDS Telecom Fiber	1,000 / 1,000
GigFire Fixed Wireless	150 / 130
T-Mobile Fixed Wireless	100 / 20

May also be available: Broadband.

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