642 Northgate Dr, Winsted, MN 55395 Property Records

McLeod County property record for 642 Northgate Dr, Winsted, MN 55395

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,040 sqft · built 1976
Lot Size	0.262 acres (11,446 sqft)
Owner	Company Name on Record
Last Sale	$229,900 (May 2022)
Tax Bill	$3,432 (2026)
Deeds & Mortgages	May 2022 Sale & Mortgage Feb 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`21.108.0400`

Property Details

APN / Parcel Number

Primary APN	`21.108.0400`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,040 sqft Total Area
1st Floor Area	1,040 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1976
Effective Year Built	Effective 1976
Exterior Material	Brick/Stone
Roof Type	Gable
Roof Material	Asphalt
Lot Area	11,446 sqft (0.262 acres)
Lot Dimensions	118 ft deep x 97 ft wide
Garage Type	Carport
Garage Area	624 sqft
Carport	Carport
Carport Area	624 sqft
Parking Spaces	2 Parking Spaces
Deck Area	168 sqft
Shed	1 Shed
Shed Area	144 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Hot Water

Location & Zoning

Street Address	642 NORTHGATE DR
City	WINSTED
State	MN
Zip	55395-1056
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	NORTHGATE ESTATES LOT-012 BLOCK-002
Legal Subdivision	NORTHGATE ESTATES
Legal Block	2
Legal Lot Number	12
Jurisdiction	MCLEOD MN
Township / Civil Division	WINSTED
Census Block Group	1
Census Block	1010
Census Tract	950100

Owner

Source: McLeod County records, as of April 14, 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	Company Name on Record
Mailing Address	70132 218TH ST, DASSEL, MN 55325-3548
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
May 20, 2022	Warranty Deed, Transfer · Commercial Mortgage KENSINGTON BANK
Feb 5, 2019	Warranty Deed, Transfer · VA Mortgage CARDINAL FINANCIAL CO

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 12, 2022 · Amount on Record
Deed Sale	May 12, 2022 · Amount on Record
Prior Sale	Feb 5, 2019 · Amount on Record
Deed Document Number	20221411017
Record Updated	Jun 8, 2026

May 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MCLEOD MN
Recording Date	May 20, 2022
Property Address	642 NORTHGATE DR, WINSTED, MN 55395-1056
Document Number	0000069456
Instrument Date	May 12, 2022
Instrument	69456
Transaction Type	Transfer
Record Updated	Jun 22, 2022
Title Company	CUSTOM TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$758.67
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	70132 218TH ST, DASSEL, MN 55325-3548

Mortgage

Document Number	0000069457
Date	May 20, 2022
Instrument	69457

Lender

Name	KENSINGTON BANK

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

February 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MCLEOD MN
Recording Date	Feb 5, 2019
Property Address	642 NORTHGATE DR, WINSTED, MN 55395-1056
Document Number	0000063779
Instrument Date	Feb 5, 2019
Instrument	63779
Transaction Type	Transfer
Record Updated	Mar 8, 2022
Title Company	AVENEL TITLE, AVENUE TITLE

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$544.50
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	642 NORTHGATE DR, WINSTED, MN 55395-1056

Mortgage

Document Number	0000063780
Date	Feb 5, 2019
Instrument	63780

Lender

Name	CARDINAL FINANCIAL CO

Agreement

Type	VA Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

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	$3,432.00 (+73.51%)
2025		$222,100 (+18.52%) Land $45,800 Building $176,300	$222,100 (+18.52%) Land $45,800 Building $176,300
2022		$187,400 Land $43,700 Building $143,700	$187,400 Land $43,700 Building $143,700
2019	$1,978.00

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 January 23, 2019 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
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

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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