655 Northgate Dr, Winsted, MN 55395 Property Records

McLeod County property record for 655 Northgate Dr, Winsted, MN 55395

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,629 sqft · built 1985
Lot Size	0.303 acres (13,200 sqft)
Owner	2 Individual Names on Record
Last Sale	$225,000 (Jun 2021)
Tax Bill	$4,430 (2026)
Deeds & Mortgages	Nov 2025 Line of Credit Jun 2021 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`21.108.0090`

Property Details

APN / Parcel Number

Primary APN	`21.108.0090`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,629 sqft Total Area
1st Floor Area	1,810 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1985
Effective Year Built	Effective 1985
Exterior Material	Brick/Stone
Roof Type	Gable
Roof Material	Asphalt
Lot Area	13,200 sqft (0.303 acres)
Lot Dimensions	132 ft deep x 100 ft wide
Garage Type	Carport
Garage Area	780 sqft
Carport	Carport
Carport Area	780 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Deck Area	Deck Area
Patio Area	182 sqft
Shed	1 Shed
Shed Area	80 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Hot Water

Location & Zoning

Street Address	655 NORTHGATE DR
City	WINSTED
State	MN
Zip	55395-1057
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	NORTHGATE ESTATES LOT-009 BLOCK-001
Legal Subdivision	NORTHGATE ESTATES
Legal Block	1
Legal Lot Number	9
Jurisdiction	MCLEOD MN
Township / Civil Division	WINSTED
Census Block Group	1
Census Block	1002
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	2 Individual Names on Record
Mailing Address	655 NORTHGATE DR, WINSTED, MN 55395-1057
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 14, 2025	Deed of Trust, Mortgage · Line of Credit OLD NATIONAL BANK
Jun 4, 2021	Warranty Deed, Transfer · Conventional Mortgage BREMER BANK
Jun 4, 2021	Affidavit of Death of Joint Tenant, Transfer AVENUE TITLE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 4, 2021 · Amount on Record
Deed Sale	Jun 4, 2021 · Amount on Record
Deed Document Number	202167818
Prior Transfer Date	May 25, 2021
Prior Transfer Doc	67817
Record Updated	Jun 8, 2026

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCLEOD MN
Property Address	655 NORTHGATE DR, WINSTED, MN 55395-1057
Transaction Type	Mortgage
Record Updated	Dec 10, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000073335
Date	Nov 14, 2025
Instrument	73335

Lender

Name	OLD NATIONAL BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Oct 25, 2055

Interest

Rate Type	Adjustable Rate

June 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MCLEOD MN
Recording Date	Jun 4, 2021
Property Address	655 NORTHGATE DR, WINSTED, MN 55395-1057
Document Number	67818
Instrument Date	May 28, 2021
Instrument	67818
Transaction Type	Transfer
Record Updated	Jul 14, 2021
Title Company	AVENUE TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$742.50
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 NORTHGATE DR, WINSTED, MN 55395-1057

Mortgage

Document Number	67819
Date	Jun 4, 2021
Instrument	67819

Lender

Name	BREMER BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

June 2021: Affidavit of Death of Joint Tenant, Transfer

Document Type	Affidavit of Death of Joint Tenant
Jurisdiction	MCLEOD MN
Recording Date	Jun 4, 2021
Property Address	655 NORTHGATE DR, WINSTED, MN 55395-1057
Document Number	67817
Instrument Date	May 25, 2021
Instrument	67817
Transaction Type	Transfer
Record Updated	Jul 14, 2021
Title Company	AVENUE TITLE LLC

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	655 NORTHGATE DR, WINSTED, MN 55395-1057

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	$4,430.00 (+45.82%) Homeowner's exemption
2025		$304,100 (+13.17%) Land $61,700 Building $242,400	$304,100 (+13.17%) Land $61,700 Building $242,400
2022		$268,700 Land $58,500 Building $210,200	$268,700 Land $58,500 Building $210,200
2019	$3,038.00

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
Nearest Special Flood Hazard Area	Zone A, within 500 ft
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 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.

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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