Steele County property record for 646 E Rose St, Owatonna, MN 55060
| Property Type | Single Family Home |
|---|---|
| Details | 1 bd · 1 ba · 635 sqft · built 1958 |
| Lot Size | 0.2 acres (8,712 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $148,000 (May 2026) |
| Tax Bill | $1,158 (2026) |
| Deeds & Mortgages | Oct 2005 Mortgage Dec 2010 Line of Credit + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 17-129-0710 |
| Primary APN | 17-129-0710 |
|---|
| Bedrooms | 1 Bed |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 635 sqft Finished Area |
| Basement Area | 108 sqft |
| Finished Basement | 108 sqft |
| Year Built | Built 1958 |
|---|---|
| Effective Year Built | Effective 1958 |
| Exterior Material | Metal |
| Foundation Type | Block |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 8,712 sqft (0.2 acres) |
| Garage Type | Detached |
| Garage Area | 308 sqft |
| Parking Spaces | 1 Parking Space |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 646 E ROSE ST |
|---|---|
| City | OWATONNA |
| State | MN |
| Zip | 55060-2653 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | DARTT'S # 2 BLK.7 E.66' OF W.132' OF L.9 & 10 DARTTS 2ND |
| Legal Section | TW |
| Legal Subdivision | DARTT'S # 2 |
| Legal Block | 7 |
| Jurisdiction | STEELE MN |
| Township / Civil Division | OWATONNA |
| Census Block Group | 3 |
| Census Block | 3012 |
| Census Tract | 960200 |
Source: Steele County records, as of October 1, 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 | Individual Name on Record |
|---|---|
| Mailing Address | 646 E ROSE ST, OWATONNA, MN 55060-2653 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Oct 31, 2005 | Deed of Trust, Mortgage WELLS FARGO BANK NA |
| Dec 2, 2010 | Deed of Trust, Mortgage · Line of Credit UNITED PRAIRIE BANK |
| Oct 31, 2005 | Deed of Trust, Mortgage · FHA Mortgage WELLS FARGO BANK NA |
| May 15, 2026 | Deed, Transfer |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 15, 2026 · Amount on Record |
| Deed Sale | May 15, 2026 · Amount on Record |
| Deed Document Number | 20261874955 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | STEELE MN |
| Property Address | 646 E ROSE ST, OWATONNA, MN 55060-2653 |
| Transaction Type | Mortgage |
| Record Updated | Jun 17, 2026 |
| Name | Verified Name |
|---|
| Document Number | A000336468 |
|---|---|
| Date | Oct 31, 2005 |
| Instrument | A000336468 |
| Name | WELLS FARGO BANK NA |
|---|---|
| Type | Bank |
| Amount | Amount Recorded |
|---|---|
| Term | 361 Months |
| Due | Nov 1, 2035 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | STEELE MN |
| Property Address | 646 E ROSE ST, OWATONNA, MN 55060-2653 |
| Transaction Type | Mortgage |
| Record Updated | Jun 17, 2026 |
| Name | Verified Name |
|---|
| Document Number | A000375085 |
|---|---|
| Date | Dec 2, 2010 |
| Instrument | A000375085 |
| Name | UNITED PRAIRIE BANK |
|---|---|
| Type | Bank |
| Address | OWATONNA, MN 55060 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 35 Months |
| Due | Nov 24, 2013 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | STEELE MN |
| Property Address | 646 E ROSE ST, OWATONNA, MN 55060-2653 |
| Transaction Type | Mortgage |
| Record Updated | Jun 17, 2026 |
| Name | Verified Name |
|---|
| Document Number | A000336466 |
|---|---|
| Date | Oct 31, 2005 |
| Instrument | A000336466 |
| Name | WELLS FARGO BANK NA |
|---|---|
| Type | Bank |
| Address | DES MOINES, IA 50306 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 1, 2035 |
| Document Type | Deed |
|---|---|
| Jurisdiction | STEELE MN |
| Recording Date | May 15, 2026 |
| Property Address | 646 E ROSE ST, OWATONNA, MN 55060-2653 |
| Document Number | 0001874955 |
| Instrument Date | May 15, 2026 |
| Instrument | 20261874955 |
| Transaction Type | Transfer |
| Record Updated | Jun 2, 2026 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 646 E ROSE ST, OWATONNA, MN 55060-2653 |
Source: Steele County assessment roll, as of October 1, 2026
| Type | Name |
|---|---|
| State | Minnesota |
| County | Steele County |
| Municipality | Owatonna City |
| Unified School District | Owatonna Public School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $1,158.00 (-6.01%) Homeowner's exemption | $115,500 (+9.38%) Land $25,900 Building $89,600 | $115,500 (+9.38%) Land $25,900 Building $89,600 |
| 2025 | $1,232.00 (+5.12%) Homeowner's exemption | $105,600 (+6.99%) Land $22,000 Building $83,600 | $105,600 (+6.99%) Land $22,000 Building $83,600 |
| 2023 | $1,172.00 Homeowner's exemption | $98,700 Land $25,900 Building $72,800 | $98,700 Land $25,900 Building $72,800 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 15 policies |
| Nearby Flood Policies | 15 in force |
| Nearby Flood Claims | 2 (2010) |
| Most Recent Claim | Sep 2010 · Severe Storms And Flooding |
| Claims by Event |
|
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.
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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 458 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 |
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