644 Northgate Dr, Winsted, MN 55395 Property Records

McLeod County property record for 644 Northgate Dr, Winsted, MN 55395

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 976 sqft · built 1977
Lot Size	0.262 acres (11,446 sqft)
Owner	Individual Name on Record
Last Sale	$359,800 (Apr 2020)
Tax Bill	$3,160 (2026)
Deeds & Mortgages	Mar 2024 Mortgage Apr 2020 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`21.108.0390`

Property Details

APN / Parcel Number

Primary APN	`21.108.0390`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	976 sqft Total Area
1st Floor Area	912 sqft
Basement Area	831 sqft
Finished Basement	831 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1977
Effective Year Built	Effective 1984
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	672 sqft
Carport	Carport
Carport Area	672 sqft
Parking Spaces	2 Parking Spaces
Deck Area	80 sqft
Shed	1 Shed
Shed Area	144 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Hot Water

Location & Zoning

Street Address	644 NORTHGATE DR
City	WINSTED
State	MN
Zip	55395-1056
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	NORTHGATE ESTATES LOT-011 BLOCK-002
Legal Subdivision	NORTHGATE ESTATES
Legal Block	2
Legal Lot Number	11
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 shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	644 NORTHGATE DR, WINSTED, MN 55395-1056
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 13, 2024	Deed of Trust, Mortgage · FHA Mortgage HUD
Apr 15, 2020	Warranty Deed, Transfer · FHA Mortgage MIDCOUNTRY BANK FSB
Jul 12, 2017	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 15, 2020 · Amount on Record
Deed Sale	Apr 15, 2020 · Amount on Record
Prior Sale	Oct 3, 2013 · Amount on Record
Deed Document Number	202065437
Prior Transfer Date	Jun 29, 2017
Prior Transfer Doc	0000T61715
Record Updated	Jun 8, 2026

March 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCLEOD MN
Property Address	644 NORTHGATE DR, WINSTED, MN 55395-1056
Transaction Type	Mortgage
Record Updated	Apr 10, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000071483
Date	Mar 13, 2024
Instrument	71483

Lender

Name	HUD
Type	Government Agency

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	312 Months
Due	May 1, 2050

April 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MCLEOD MN
Recording Date	Apr 15, 2020
Property Address	644 NORTHGATE DR, WINSTED, MN 55395-1056
Document Number	0000065437
Instrument Date	Apr 6, 2020
Instrument	65437
Transaction Type	Transfer
Record Updated	Dec 27, 2021
Title Company	TITLE MARK

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,187.34
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	644 NORTHGATE DR, WINSTED, MN 55395-1056

Mortgage

Document Number	0000065438
Date	Apr 15, 2020
Instrument	65438

Lender

Name	MIDCOUNTRY BANK FSB

Agreement

Type	FHA Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate

Mortgage

Document Number	0000065439
Date	Apr 15, 2020
Instrument	65439

Lender

Name	MIDCOUNTRY BANK FSB
Type	Bank

Agreement

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

Interest

Rate Type	Fixed Rate

July 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MCLEOD MN
Recording Date	Jul 12, 2017
Property Address	644 NORTHGATE DR, WINSTED, MN 55395-1056
Document Number	0000T61715
Instrument Date	Jun 29, 2017
Instrument	T61715
Transaction Type	Transfer
Record Updated	Dec 27, 2021

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

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	$3,160.00 (+24.41%) Homeowner's exemption
2025		$228,100 (+7.49%) Land $45,800 Building $182,300	$228,100 (+7.49%) Land $45,800 Building $182,300
2022		$212,200 Land $43,700 Building $168,500	$212,200 Land $43,700 Building $168,500
2019	$2,540.00

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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