686 Northgate Dr, Winsted, MN 55395 Property Records

McLeod County property record for 686 Northgate Dr, Winsted, MN 55395

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,040 sqft · built 1975
Lot Size	0.265 acres (11,543 sqft)
Owner	Individual Name on Record
Last Sale	$255,000 (Nov 2025)
Tax Bill	$2,698 (2026)
Deeds & Mortgages	Nov 2025 Sale & Mortgage Sep 2017 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`21.108.0030`

Property Details

APN / Parcel Number

Primary APN	`21.108.0030`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,040 sqft Total Area
1st Floor Area	1,040 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1975
Effective Year Built	Effective 1975
Exterior Material	Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	11,543 sqft (0.265 acres)
Lot Dimensions	119 ft deep x 97 ft wide
Garage Type	Carport
Carport	Carport
Parking Spaces	1 Parking Space
Deck Area	192 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Hot Water

Location & Zoning

Street Address	686 NORTHGATE DR
City	WINSTED
State	MN
Zip	55395-1056
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	NORTHGATE ESTATES LOT-003 BLOCK-001
Legal Subdivision	NORTHGATE ESTATES
Legal Block	1
Legal Lot Number	3
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 shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	23374 ZION AVE, WINSTED, MN 55395-6500
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 21, 2025	Warranty Deed, Transfer · Conventional Mortgage LUMINATE BANK
Sep 13, 2017	Warranty Deed, Transfer · Conventional Mortgage AMERICAN MORTGAGE & EQUITY
Mar 27, 2017	Warranty Deed, Transfer LIBERTY TITLE AND ESCROW, LIBERTY TITLE & ESCROW

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 14, 2025 · Amount on Record
Deed Sale	Nov 14, 2025 · Amount on Record
Prior Sale	Sep 13, 2017 · Amount on Record
Deed Document Number	20251825925
Record Updated	Jun 8, 2026

November 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MCLEOD MN
Recording Date	Nov 21, 2025
Property Address	686 NORTHGATE DR, WINSTED, MN 55395-1056
Document Number	0000073358
Instrument Date	Nov 14, 2025
Instrument	73358
Transaction Type	Transfer
Record Updated	Jan 7, 2026
Title Company	WATERMARK TITLE AGENCY LLC, WATERMARK TITLE AGENCY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$841.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	686 NORTHGATE DR, WINSTED, MN 55395-1056

Mortgage

Document Number	0000073359
Date	Nov 21, 2025
Instrument	73359

Lender

Name	LUMINATE BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2055

September 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MCLEOD MN
Recording Date	Sep 13, 2017
Property Address	686 NORTHGATE DR, WINSTED, MN 55395-1056
Document Number	0000061955
Instrument Date	Sep 7, 2017
Instrument	61955
Transaction Type	Transfer
Record Updated	Apr 3, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$437.25
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	686 NORTHGATE DR, WINSTED, MN 55395-1056

Mortgage

Document Number	0000061956
Date	Sep 13, 2017
Instrument	61956

Lender

Name	AMERICAN MORTGAGE & EQUITY
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2047

Interest

Rate Type	Fixed Rate

March 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MCLEOD MN
Recording Date	Mar 27, 2017
Property Address	686 NORTHGATE DR, WINSTED, MN 55395-1056
Document Number	0000061326
Instrument Date	Mar 22, 2017
Instrument	61326
Transaction Type	Transfer
Record Updated	May 30, 2022
Title Company	LIBERTY TITLE AND ESCROW, LIBERTY TITLE & ESCROW

Transaction

Amount	Amount Recorded
Tax	$300.30
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1485 CREEKSIDE DR, WACONIA, MN 55387-1152

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	$2,698.00 (+2.59%) Homeowner's exemption
2025		$200,500 (+5.8%) Land $45,800 Building $154,700	$200,500 (+5.8%) Land $45,800 Building $154,700
2024	$2,630.00 (+61.35%)	$189,500 (+6.88%) Land $45,800 Building $143,700	$189,500 (+6.88%) Land $45,800 Building $143,700
2022		$177,300 Land $43,700 Building $133,600	$177,300 Land $43,700 Building $133,600
2019	$1,630.00

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
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	Direct burnable vegetation

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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