656 E Howard St, Winona, MN 55987 Property Records

Winona County property record for 656 E Howard St, Winona, MN 55987

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 866 sqft · built 1885
Lot Size	0.16 acres (6,970 sqft)
Owner	Individual Name on Record
Last Sale	$105,000 (Dec 2023)
Tax Bill	$718 (2026)
Deeds & Mortgages	Dec 2023 Sale & Mortgage
APN	`32.240.1820`

Property Details

APN / Parcel Number

Primary APN	`32.240.1820`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	866 sqft Living Area
1st Floor Area	866 sqft
Basement Area	866 sqft
Unfinished Basement	866 sqft
Flooring	Carpet
Interior Walls	Paneling

Exterior

Year Built	Built 1885
Effective Year Built	Effective 1976
Architectural Style	Ranch
Exterior Material	Metal
Construction Type	Metal Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	6,970 sqft (0.16 acres)
Lot Dimensions	140 ft deep x 50 ft wide
Porch	Porch
Porch Area	174 sqft

Utilities, Heating & Cooling

Cooling System	None
Heating System	Floor/Wall Furnace

Location & Zoning

Street Address	656 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-008 BLOCK-013
Legal Range	007
Legal Township	107
Legal Section	26
Legal Subdivision	HUBBARDS ADDITION
Legal Block	13
Legal Lot Number	8
Jurisdiction	WINONA MN
Township / Civil Division	WINONA
Census Block Group	1
Census Block	1023
Census Tract	670700

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	Individual Name on Record
Mailing Address	656 E HOWARD ST, WINONA, MN 55987-4301
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 29, 2023 · Amount on Record
Deed Sale	Dec 29, 2023 · Amount on Record
Deed Document Number	2023652729
Prior Transfer Date	Feb 21, 2023
Prior Transfer Doc	0000647584
Record Updated	Oct 29, 2026

December 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WINONA MN
Recording Date	Dec 29, 2023
Property Address	656 E HOWARD ST, WINONA, MN 55987-4301
Document Number	000A652729
Instrument Date	Dec 29, 2023
Instrument	A652729
Transaction Type	Transfer
Record Updated	Jan 19, 2024

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$346.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	656 E HOWARD ST, WINONA, MN 55987-4301

Mortgage

Document Number	000A652730
Date	Dec 29, 2023
Instrument	A652730

Lender

Name	MERCHANTS BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2054

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	$718.00 (-23.29%) Homeowner's exemption	$92,800 (+2.54%) Land $40,600 Building $52,200	$92,800 (+2.54%) Land $40,600 Building $52,200
2025		$90,500 (+1.69%) Land $40,600 Building $49,900	$90,500 (+1.69%) Land $40,600 Building $49,900
2023	$936.00	$89,000 Land $39,000 Building $50,000	$89,000 Land $39,000 Building $50,000

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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