704 Cherry St, Owatonna, MN 55060 Property Records

Steele County property record for 704 Cherry St, Owatonna, MN 55060

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,500 sqft · built 1890
Lot Size	0.173 acres (7,536 sqft)
Owner	Individual Name on File
Last Sale	$189,000 (Nov 2022)
Tax Bill	$2,898 (2026)
Deeds & Mortgages	May 2022 Mortgage Sep 2009 Mortgage + 5 more
Flood Zone	Zone X (moderate risk)
APN	`17-150-0215`

Property Details

APN / Parcel Number

Primary APN	`17-150-0215`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,500 sqft Finished Area

Exterior

Year Built	Built 1890
Effective Year Built	Effective 1890
Exterior Material	Aluminum/Vinyl
Foundation Type	Stone
Roof Type	Gable
Roof Material	Asphalt
Lot Area	7,536 sqft (0.173 acres)
Garage Type	Attached
Garage Area	352 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	704 CHERRY ST
City	OWATONNA
State	MN
Zip	55060-1949
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BLK 2 LOT 15 LUEDTKE ADDITION TORRENS PROPERTY
Legal Section	TW
Legal Subdivision	LUEDTKES ADDITION
Legal Block	2
Legal Lot Number	15
Jurisdiction	STEELE MN
Township / Civil Division	OWATONNA
Census Block Group	3
Census Block	3023
Census Tract	960200

Owner

704 Cherry St is owned and occupied by an individual who bought it in November 2022.

Source: Steele County records, as of October 1, 2026

Owner of Record	Individual Name on File
Mailing Address	704 CHERRY ST, OWATONNA, MN 55060-1949
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
May 6, 2022	Deed of Trust, Mortgage · USDA Mortgage USDA
Sep 22, 2009	Deed of Trust, Mortgage · FHA Mortgage WELLS FARGO BANK NA
Jul 24, 2007	Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BANK NA
Nov 30, 2022	Warranty Deed, Transfer · Conventional Mortgage BELL BANK
Oct 18, 2017	Deed, Transfer · Conventional Mortgage BARRINGTON BANK & TRUST CO NA
Sep 1, 2017	Intrafamily Transfer, Transfer FIRST FINANCIAL TITLE, FIRST FINANCIAL TITLE AGENCY
Mar 7, 2017	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 18, 2022 · Amount on File
Deed Sale	Nov 18, 2022 · Amount on File
Prior Sale	Oct 18, 2017 · Amount on File
Deed Document Number	20221491852
Prior Transfer Date	Feb 1, 2017
Prior Transfer Doc	0000074673
Record Updated	Oct 29, 2026

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STEELE MN
Property Address	704 CHERRY ST, OWATONNA, MN 55060-1949
Transaction Type	Mortgage
Record Updated	May 28, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	T000081600
Date	May 6, 2022
Instrument	T000081600

Lender

Name	USDA
Type	Government Agency

Agreement

Type	USDA Mortgage
Amount	Amount on Record
Term	300 Months
Due	Oct 1, 2047

Interest

Rate Type	Fixed Rate

September 2009: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STEELE MN
Property Address	704 CHERRY ST, OWATONNA, MN 55060-1949
Transaction Type	Mortgage
Record Updated	May 28, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	T000064998
Date	Sep 22, 2009
Instrument	T000064998

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	NEWARK, NJ 07101

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	181 Months
Due	Oct 1, 2024

Interest

Rate	4.5%

July 2007: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STEELE MN
Property Address	704 CHERRY ST, OWATONNA, MN 55060-1949
Transaction Type	Mortgage
Record Updated	May 28, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	T000061900
Date	Jul 24, 2007
Instrument	T000061900

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	NEWARK, NJ 07101

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Aug 1, 2022

November 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	STEELE MN
Recording Date	Nov 30, 2022
Property Address	704 CHERRY ST, OWATONNA, MN 55060-1949
Document Number	T000082246
Instrument Date	Nov 18, 2022
Instrument	T000082246
Transaction Type	Transfer
Record Updated	Jun 13, 2023

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$623.70
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	704 CHERRY ST, OWATONNA, MN 55060-1949

Mortgage

Document Number	T000082247
Date	Nov 30, 2022
Instrument	T000082247

Lender

Name	BELL BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 1, 2052

Interest

Rate Type	Fixed Rate

October 2017: Deed, Transfer

Document Type	Deed
Jurisdiction	STEELE MN
Recording Date	Oct 18, 2017
Property Address	704 CHERRY ST, OWATONNA, MN 55060-1949
Document Number	T000075453
Instrument Date	Sep 8, 2017
Instrument	T000075453
Transaction Type	Transfer
Record Updated	May 28, 2026
Title Company	EDINA REALTY TITLE

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$395.67
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	704 CHERRY ST, OWATONNA, MN 55060-1949

Mortgage

Document Number	T000075454
Date	Oct 18, 2017
Instrument	T000075454

Lender

Name	BARRINGTON BANK & TRUST CO NA

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Interest

Rate Type	Fixed Rate

September 2017: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	STEELE MN
Recording Date	Sep 1, 2017
Property Address	704 CHERRY ST, OWATONNA, MN 55060-1949
Document Number	T000075249
Instrument Date	Aug 30, 2017
Instrument	T000075249
Transaction Type	Transfer
Record Updated	Jun 13, 2023
Title Company	FIRST FINANCIAL TITLE, FIRST FINANCIAL TITLE AGENCY

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	1827 KALIHI ST, HONOLULU, HI 96819-4233

March 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	STEELE MN
Recording Date	Mar 7, 2017
Property Address	704 CHERRY ST, OWATONNA, MN 55060-1949
Document Number	T000074673
Instrument Date	Feb 1, 2017
Instrument	T000074673
Transaction Type	Transfer
Record Updated	Jun 13, 2023

Transaction

Amount	Amount on Record
Tax	$0.00
Amount Accuracy	Full Amount from Assessment
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1827 KALIHI ST, HONOLULU, HI 96819-4233

Tax Assessment & Valuation

The 2026 property tax bill for 704 Cherry St was $2,898.

Source: Steele County assessment roll, as of October 1, 2026

Property Jurisdictions

Type	Name
State	Minnesota
County	Steele County
Municipality	Owatonna City
Unified School District	Owatonna Public School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$2,898.00	$187,900 (+4.91%) Land $26,700 Building $161,200	$187,900 (+4.91%) Land $26,700 Building $161,200
2025		$179,100 Land $26,100 Building $153,000	$179,100 Land $26,100 Building $153,000
2023	$2,010.00 Homeowner's exemption	$160,500 Land $22,000 Building $138,500	$160,500 Land $22,000 Building $138,500

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

Flood

FEMA maps place 704 Cherry St in Zone X, an area of moderate flood risk, within 500 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective November 11, 2014 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 15 policies
Nearby Flood Policies	15 in force
Nearby Flood Claims	2 (2010)
Most Recent Claim	Sep 2010 · Severe Storms And Flooding
Claims by Event	Severe Storms And Flooding, Sep 2010 · 2 claims

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

Wildfire risk around 704 Cherry 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 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	Owatonna serves 26,430 people · EPA ID MN1740007
Water Source	Groundwater
Last State Inspection	Dec 2025
Lead	2 ppb (2023–2025) 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 357 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Metronet Fiber	5,120 / 5,120
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
GigFire Fixed Wireless	150 / 130
Midco Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Minnesota WiFi.

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