655 Main St, Winona, MN 55987 Property Records

Winona County property record for 655 Main St, Winona, MN 55987

Property Summary

Property Type	Single Family Home
Details	4 bd · 1 ba · 1,425 sqft · built 1910
Lot Size	0.172 acres (7,492 sqft)
Owner	2 Individual Names on Record
Last Sale	$229,000 (Jan 2022)
Tax Bill	$2,502 (2026)
Deeds & Mortgages	Jan 2022 Sale & Mortgage
APN	`32.310.0190`

Property Details

APN / Parcel Number

Primary APN	`32.310.0190`

Interior

Bedrooms	4 Beds
Full Baths	1 Bath
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,425 sqft Living Area
1st Floor Area	950 sqft
Flooring	Carpet
Interior Walls	Plaster

Exterior

Year Built	Built 1910
Effective Year Built	Effective 1995
Exterior Material	Metal
Construction Type	Metal Frame
Roof Type	Gable
Roof Material	Galvanized Metal
Lot Area	7,492 sqft (0.172 acres)
Lot Dimensions	150 ft deep x 50 ft wide
Garage Type	Detached
Garage Area	360 sqft
Porch	Porch
Porch Area	130 sqft
Deck Area	42 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	655 MAIN ST
City	WINONA
State	MN
Zip	55987-3374
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SECT-27 TWP-107 RANGE-007 LAKEVIEW ADDITION LOT-004 BLOCK-016 E 105'
Legal Range	007
Legal Township	107
Legal Section	27
Legal Subdivision	LAKEVIEW ADD
Legal Block	16
Legal Lot Number	4
Jurisdiction	WINONA MN
Township / Civil Division	WINONA
Census Block Group	5
Census Block	5039
Census Tract	670500

Owner

Source: Winona County records, as of September 4, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	655 MAIN ST, WINONA, MN 55987-3374
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 14, 2022 · Amount on Record
Deed Sale	Jan 14, 2022 · Amount on Record
Deed Document Number	2022640238
Record Updated	Oct 29, 2026

January 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WINONA MN
Recording Date	Jan 14, 2022
Property Address	655 MAIN ST, WINONA, MN 55987-3374
Document Number	000A640238
Instrument Date	Jan 7, 2022
Instrument	A640238
Transaction Type	Transfer
Record Updated	Feb 1, 2022
Title Company	RIVER VALLEY TITLE GROUP LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$755.70
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	655 MAIN ST, WINONA, MN 55987-3374

Mortgage

Document Number	000A640239
Date	Jan 14, 2022
Instrument	A640239

Lender

Name	ALTRA FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2052

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	$2,502.00 (+22.53%) Homeowner's exemption	$246,800 (+6.33%) Land $42,500 Building $204,300	$246,800 (+6.33%) Land $42,500 Building $204,300
2025		$232,100 (+7.9%) Land $42,500 Building $189,600	$232,100 (+7.9%) Land $42,500 Building $189,600
2023	$2,042.00 Homeowner's exemption	$215,100 Land $40,000 Building $175,100	$215,100 Land $40,000 Building $175,100

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

FEMA Flood Zone	Not on file
Nearby Flood Policies	3 in force
Nearby Flood Claims	2 (1978–2007)
Most Recent Claim	Aug 2007 · Severe Storms And Flooding

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 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 415 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Hiawatha Broadband Communications Cable · Fiber in parts of the area	1,000 / 30
Starlink Satellite	280 / 30
AT&T Fixed Wireless	100 / 20

May also be available: GigFire, Verizon.

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