709 E Academy St, Owatonna, MN 55060 Property Records

Steele County property record for 709 E Academy St, Owatonna, MN 55060

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,911 sqft · built 1954
Lot Size	0.201 acres (8,756 sqft)
Owner	Individual Name on File
Tax Bill	$3,372 (2026)
Deeds & Mortgages	May 2020 Mortgage Dec 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`17-151-0202`

Property Details

APN / Parcel Number

Primary APN	`17-151-0202`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	10 Rooms
Stories	1 Story
Building Area	1,911 sqft Finished Area
Basement Area	731 sqft
Finished Basement	731 sqft

Exterior

Year Built	Built 1954
Effective Year Built	Effective 1954
Exterior Material	Wood
Foundation Type	Block
Roof Type	Hip
Roof Material	Asphalt
Lot Area	8,756 sqft (0.201 acres)
Garage Type	Attached
Garage Area	264 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	709 E ACADEMY ST
City	OWATONNA
State	MN
Zip	55060-3105
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	MORNINGSIDE BLK 2 LOT 2 TORRENS PROPERTY
Legal Section	TW
Legal Subdivision	MORNINGSIDE
Legal Block	2
Legal Lot Number	2
Jurisdiction	STEELE MN
Township / Civil Division	OWATONNA
Census Block Group	2
Census Block	2028
Census Tract	960200

Owner

709 E Academy St is owned and occupied by an individual.

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

Owner of Record	Individual Name on File
Mailing Address	709 E ACADEMY ST, OWATONNA, MN 55060-3105
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 12, 2020	Deed of Trust, Mortgage · Conventional Mortgage HOME TOWN FCU
Dec 3, 2018	Deed of Trust, Mortgage · Conventional Mortgage TOWNE MORTGAGE CO

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Oct 29, 2026

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STEELE MN
Property Address	709 E ACADEMY ST, OWATONNA, MN 55060-3105
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	T000078466
Date	May 12, 2020
Instrument	T000078466

Lender

Name	HOME TOWN FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	May 1, 2035

Interest

Rate Type	Fixed Rate

December 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STEELE MN
Property Address	709 E ACADEMY ST, OWATONNA, MN 55060-3105
Transaction Type	Mortgage
Record Updated	Dec 12, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	T000076842
Date	Dec 3, 2018
Instrument	T000076842

Lender

Name	TOWNE MORTGAGE CO
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 1, 2048

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

The 2026 property tax bill for 709 E Academy St was $3,372 with a homeowner's exemption.

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	$3,372.00 Homeowner's exemption	$258,600 (+6.2%) Land $36,900 Building $221,700	$258,600 (+6.2%) Land $36,900 Building $221,700
2025		$243,500 Land $36,900 Building $206,600	$243,500 Land $36,900 Building $206,600
2023	$2,908.00 Homeowner's exemption	$206,900 Land $26,100 Building $180,800	$206,900 Land $26,100 Building $180,800

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

Flood

FEMA maps place 709 E Academy St in Zone X, an area of minimal flood risk, though there have been 4 flood claims nearby since 2010.

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 minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Claims	4 (2010)
Claims Outside the SFHA	3 of 4
Most Recent Claim	Sep 2010 · Severe Storms And Flooding
Claims by Event	Severe Storms And Flooding, Sep 2010 · 4 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 709 E Academy 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 99.1% of the US · lower than 96% 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 363 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Metronet Fiber	5,120 / 5,120
Spectrum Cable · Fiber in parts of the area	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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