652 E Howard St, Winona, MN 55987 Property Records

Winona County property record for 652 E Howard St, Winona, MN 55987

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,152 sqft · built 1890
Lot Size	0.086 acres (3,746 sqft)
Owner	Individual Name on Record
Last Sale	$43,431 (Jul 2025)
Tax Bill	$1,280 (2026)
Deeds & Mortgages	Nov 2021 Sale & Mortgage Apr 2019 Line of Credit + 1 more
APN	`32.240.1800`

Property Details

APN / Parcel Number

Primary APN	`32.240.1800`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,152 sqft Living Area
1st Floor Area	1,152 sqft
Flooring	Carpet
Interior Walls	Paneling

Exterior

Year Built	Built 1890
Effective Year Built	Effective 1985
Architectural Style	Ranch
Exterior Material	Other
Foundation Type	Block
Roof Type	Gable
Roof Material	Asphalt
Lot Area	3,746 sqft (0.086 acres)
Lot Dimensions	75 ft deep x 50 ft wide
Garage Type	Carport
Garage Area	162 sqft
Carport	Carport
Carport Area	162 sqft

Exterior Amenities

Porch	Porch
Porch Area	224 sqft
Deck Area	Deck Area
Shed	1 Shed
Shed Area	64 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	652 E HOWARD ST
City	WINONA
State	MN
Zip	55987-4301
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SECT-26 TWP-107 RANGE-007 HUBBARDS ADDITION LOT-007 BLOCK-013 SLY 75'
Legal Range	007
Legal Township	107
Legal Section	26
Legal Subdivision	HUBBARDS ADDITION
Legal Block	13
Legal Lot Number	7
Jurisdiction	WINONA MN
Township / Civil Division	WINONA
Census Block Group	1
Census Block	1023
Census Tract	670700

Owner

Source: Winona County records, as of October 9, 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	652 E HOWARD ST, WINONA, MN 55987-4301
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants in Common

Deeds, Mortgages & Sale History

Date	Document
Nov 3, 2021	Land Contract, Transfer · Land Contract NOT AVAILABLE
Apr 18, 2019	Deed of Trust, Mortgage · Line of Credit MERCHANTS BANK NA
Feb 27, 2020	Personal Representative Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 18, 2025 · Amount on Record
Deed Sale	Jul 18, 2025 · Amount on Record
Prior Sale	Nov 3, 2021 · Amount on Record
Deed Document Number	2025661684
Record Updated	Oct 29, 2026

November 2021: Land Contract, Transfer

Document Type	Land Contract
Jurisdiction	WINONA MN
Recording Date	Nov 3, 2021
Property Address	652 E HOWARD ST, WINONA, MN 55987-4301
Document Number	638306
Instrument Date	Nov 1, 2021
Instrument	638306
Transaction Type	Transfer
Record Updated	Nov 22, 2021

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	652 E HOWARD ST, WINONA, MN 55987-4301

Mortgage

Date	Nov 3, 2021

Lender

Name	NOT AVAILABLE

Agreement

Type	Land Contract
Amount	Amount Recorded
Term	121 Months
Due	Nov 30, 2031

Interest

Rate	3.25%

April 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINONA MN
Property Address	652 E HOWARD ST, WINONA, MN 55987-4301
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	616268
Date	Apr 18, 2019
Instrument	616268

Lender

Name	MERCHANTS BANK NA
Type	Bank
Address	WINONA, MN 55987

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Apr 10, 2049

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2020: Personal Representative Deed, Transfer

Document Type	Personal Representative Deed
Jurisdiction	WINONA MN
Recording Date	Feb 27, 2020
Property Address	652 E HOWARD ST, WINONA, MN 55987-4301
Document Number	622914
Instrument Date	Feb 20, 2020
Instrument	622914
Transaction Type	Transfer
Record Updated	Jun 22, 2021

Transaction

Amount	Amount Recorded
Tax	$164.18
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2313 LOMBARD AVE, JANESVILLE, WI 53545-2130

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	$1,280.00 (+24.27%) Homeowner's exemption	$143,800 (+5.43%) Land $29,100 Building $114,700	$143,800 (+5.43%) Land $29,100 Building $114,700
2025		$136,400 (+8.43%) Land $29,100 Building $107,300	$136,400 (+8.43%) Land $29,100 Building $107,300
2023	$1,030.00 Homeowner's exemption	$125,800 Land $28,000 Building $97,800	$125,800 Land $28,000 Building $97,800

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

FEMA Flood Zone	Not on file

Values are read at the parcel center point; 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 245 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000

May also be available: Hiawatha Broadband Communications, Verizon.

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