657 E Howard St, Winona, MN 55987 Property Records

Winona County property record for 657 E Howard St, Winona, MN 55987

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,460 sqft · built 1920
Lot Size	0.16 acres (6,970 sqft)
Owner	2 Individual Names on Record
Tax Bill	$1,992 (2026)
Deeds & Mortgages	Nov 2020 Mortgage
APN	`32.240.2230`

Property Details

APN / Parcel Number

Primary APN	`32.240.2230`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,460 sqft Living Area
1st Floor Area	864 sqft
Basement Area	380 sqft
Unfinished Basement	380 sqft
Flooring	Vinyl/Resilient
Interior Walls	Plaster

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1995
Exterior Material	Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	6,970 sqft (0.16 acres)
Lot Dimensions	140 ft deep x 50 ft wide
Garage Type	Mixed
Garage Area	432 sqft
Porch	Porch
Porch Area	80 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	657 E HOWARD ST
City	WINONA
State	MN
Zip	55987-4302
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SECT-26 TWP-107 RANGE-007 HUBBARDS ADDITION LOT-005 BLOCK-016
Legal Range	007
Legal Township	107
Legal Section	26
Legal Subdivision	HUBBARDS ADDITION
Legal Block	16
Legal Lot Number	5
Jurisdiction	WINONA MN
Township / Civil Division	WINONA
Census Block Group	1
Census Block	1030
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	2 Individual Names on Record
Mailing Address	657 E HOWARD ST, WINONA, MN 55987-4302
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Oct 29, 2026

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINONA MN
Property Address	657 E HOWARD ST, WINONA, MN 55987-4302
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	657 E HOWARD ST, WINONA, MN 55987-4302

Mortgage

Document Number	629043
Date	Nov 16, 2020
Instrument	629043

Lender

Name	MERCHANTS BANK NA
Type	Bank
Address	WINONA, MN 55987

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 16, 2050

Interest

Rate Type	Adjustable Rate

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	$1,992.00 (+20.44%) Homeowner's exemption	$203,900 (+6.14%) Land $40,600 Building $163,300	$203,900 (+6.14%) Land $40,600 Building $163,300
2025		$192,100 (+4.52%) Land $40,600 Building $151,500	$192,100 (+4.52%) Land $40,600 Building $151,500
2023	$1,654.00 Homeowner's exemption	$183,800 Land $39,000 Building $144,800	$183,800 Land $39,000 Building $144,800

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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