668 E Sarnia St, Winona, MN 55987 Property Records

Winona County property record for 668 E Sarnia St, Winona, MN 55987

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,224 sqft · built 1956
Lot Size	0.268 acres (11,674 sqft)
Owner	Individual Name on File
Last Sale	$236,000 (Jan 2023)
Tax Bill	$2,464 (2026)
Deeds & Mortgages	Jan 2023 Sale & Mortgage Jun 2021 Second Mortgage + 6 more
APN	`32.315.0420`

Property Details

APN / Parcel Number

Primary APN	`32.315.0420`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,224 sqft Living Area
1st Floor Area	1,224 sqft
Basement Area	1,224 sqft
Finished Basement	1,224 sqft
Flooring	Wood
Interior Walls	Plaster

Exterior

Year Built	Built 1956
Effective Year Built	Effective 2002
Architectural Style	Ranch
Exterior Material	Wood
Construction Type	Wood
Roof Type	Gable
Roof Material	Galvanized Metal
Lot Area	11,674 sqft (0.268 acres)
Lot Dimensions	177 ft deep x 66 ft wide
Garage Type	Detached
Garage Area	576 sqft
Porch	Porch
Porch Area	96 sqft
Patio Area	196 sqft

Utilities, Heating & Cooling

Cooling System	None
Heating System	Hot Water

Location & Zoning

Street Address	668 E SARNIA ST
City	WINONA
State	MN
Zip	55987-4368
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SECT-26 TWP-107 RANGE-007 LAKESIDE OUTLOTS WINONA LIMITS PARCEL 66' X 177' IN OUTLOTS 11 & 12 COMMENCING ON NORTH LINE HWY
Legal Range	007
Legal Township	107
Legal Section	26
Legal Subdivision	LAKESIDE OUTLOTS
Legal Lot Number	11-12
Jurisdiction	WINONA MN
Township / Civil Division	WINONA
Census Block Group	1
Census Block	1043
Census Tract	670700

Owner

668 E Sarnia St is owned and occupied by an individual who bought it in January 2023.

Source: Winona County records, as of September 4, 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	Individual Name on File
Mailing Address	668 E SARNIA ST, WINONA, MN 55987-4368
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 19, 2023	Warranty Deed, Transfer · Conventional Mortgage FIREFIGHTERS CU
Jun 24, 2021	Deed of Trust, Mortgage · Stand-Alone Second Mortgage BANK OF ENGLAND
Jun 24, 2021	Warranty Deed, Transfer · FHA Mortgage BANK OF ENGLAND
Feb 20, 2019	Deed of Trust, Mortgage · Line of Credit MERCHANTS BANK NA
Sep 23, 2020	Deed of Trust, Mortgage · Line of Credit MERCHANTS BANK NA
Feb 20, 2019	Deed of Trust, Mortgage · Line of Credit MERCHANTS BANK NA
Nov 15, 2017	Deed of Trust, Mortgage · Conventional Mortgage MERCHANTS BANK NA
Jul 28, 2017	Warranty Deed, Transfer · Conventional Mortgage MERCHANTS BANK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 19, 2023 · Amount on File
Deed Sale	Jan 19, 2023 · Amount on File
Prior Sale	Jun 24, 2021 · Amount on File
Deed Document Number	2023647224
Prior Transfer Date	Jul 22, 2013
Prior Transfer Doc	A575441
Record Updated	Oct 29, 2026

January 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WINONA MN
Recording Date	Jan 19, 2023
Property Address	668 E SARNIA ST, WINONA, MN 55987-4368
Document Number	000A647224
Instrument Date	Jan 10, 2023
Instrument	A647224
Transaction Type	Transfer
Record Updated	Feb 3, 2023
Title Company	TOWN N COUNTRY TITLE LLC, TOWN N COUNTY TITLE LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$778.80
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	668 E SARNIA ST, WINONA, MN 55987-4368

Mortgage

Document Number	000A647225
Date	Jan 19, 2023
Instrument	A647225

Lender

Name	FIREFIGHTERS CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	241 Months
Due	Feb 1, 2043

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINONA MN
Property Address	668 E SARNIA ST, WINONA, MN 55987-4368
Transaction Type	Mortgage
Record Updated	Jul 12, 2021
Title Company	ROCHESTER TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	634878
Date	Jun 24, 2021
Instrument	634878

Lender

Name	BANK OF ENGLAND
Type	Bank
Address	LITTLE ROCK, AR 72201

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	120 Months
Due	Jun 1, 2031

June 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WINONA MN
Recording Date	Jun 24, 2021
Property Address	668 E SARNIA ST, WINONA, MN 55987-4368
Document Number	634876
Instrument Date	May 24, 2021
Instrument	634876
Transaction Type	Transfer
Record Updated	Jul 12, 2021
Title Company	TOWN N COUNTRY TITLE LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$798.60
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	668 SARIVIA STREET EAST, WINONA, MN 55987

Mortgage

Document Number	0000634877
Date	Jun 24, 2021
Instrument	634877

Lender

Name	BANK OF ENGLAND
Type	Bank
Address	LITTLE ROCK, AR 72201

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2051

February 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINONA MN
Property Address	668 E SARNIA ST, WINONA, MN 55987-4368
Transaction Type	Mortgage
Record Updated	Feb 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	615291
Date	Feb 20, 2019
Instrument	615291

Lender

Name	MERCHANTS BANK NA
Type	Bank
Address	WINONA, MN 55987

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Feb 13, 2049

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINONA MN
Property Address	668 E SARNIA ST, WINONA, MN 55987-4368
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	668 E SARNIA ST, WINONA, MN 55987-4368

Mortgage

Document Number	627614
Date	Sep 23, 2020
Instrument	627614

Lender

Name	MERCHANTS BANK NA
Type	Bank
Address	WINONA, MN 55987

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Sep 18, 2050

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINONA MN
Property Address	668 E SARNIA ST, WINONA, MN 55987-4368
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	615291
Date	Feb 20, 2019
Instrument	615291

Lender

Name	MERCHANTS BANK NA
Type	Bank
Address	WINONA, MN 55987

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Feb 13, 2049

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINONA MN
Property Address	668 E SARNIA ST, WINONA, MN 55987-4368
Transaction Type	Mortgage
Record Updated	Dec 13, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	, 606769
Date	Nov 15, 2017
Instrument	606769

Lender

Name	MERCHANTS BANK NA
Type	Bank
Address	WINONA, MN 55987

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	357 Months
Due	Aug 1, 2047

July 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WINONA MN
Recording Date	Jul 28, 2017
Property Address	668 E SARNIA ST, WINONA, MN 55987-4368
Document Number	604373
Instrument Date	Jul 19, 2017
Instrument	604373
Transaction Type	Transfer
Record Updated	Jun 22, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$438.90
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	668 E SARNIA ST, WINONA, MN 55987-4368

Mortgage

Document Number	604374
Date	Jul 28, 2017
Instrument	604374

Lender

Name	MERCHANTS BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2047

Tax Assessment & Valuation

The 2026 property tax bill for 668 E Sarnia St was $2,464 with a homeowner's exemption.

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	$2,464.00 Homeowner's exemption	$241,400 (+5.41%) Land $54,600 Building $186,800	$241,400 (+5.41%) Land $54,600 Building $186,800
2025		$229,000 Land $54,600 Building $174,400	$229,000 Land $54,600 Building $174,400
2023	$2,652.00 Homeowner's exemption	$205,800 Land $52,500 Building $153,300	$205,800 Land $52,500 Building $153,300

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA has no flood map on file for 668 E Sarnia St.

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

Wildfire risk around 668 E Sarnia St is low, with less than a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 94% of the US · lower than 82% 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	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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