710 Cardinal Dr, Owatonna, MN 55060 Property Records

Steele County property record for 710 Cardinal Dr, Owatonna, MN 55060

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,016 sqft · built 1974
Lot Size	0.306 acres (13,329 sqft)
Owner	Individual Name on Record
Last Sale	$305,000 (Jan 2026)
Tax Bill	$4,172 (2026)
Deeds & Mortgages	Oct 2018 Mortgage Jul 2019 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`17-237-0107`

Property Details

APN / Parcel Number

Primary APN	`17-237-0107`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	10 Rooms
Building Area	2,016 sqft Finished Area
Basement Area	758 sqft
Finished Basement	758 sqft
Unfinished Basement	758 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1974
Effective Year Built	Effective 1974
Architectural Style	Split Foyer
Exterior Material	Wood
Foundation Type	Block
Roof Type	Gable
Roof Material	Asphalt
Lot Area	13,329 sqft (0.306 acres)
Garage Type	Attached
Garage Area	624 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	710 CARDINAL DR
City	OWATONNA
State	MN
Zip	55060-3629
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	CLARK # 3 BLK 1 LOT 7 TORRENS PROPERTY
Legal Section	TW
Legal Subdivision	CLARK # 3
Legal Block	1
Legal Lot Number	7
Jurisdiction	STEELE MN
Township / Civil Division	OWATONNA
Census Block Group	1
Census Block	1019
Census Tract	960700

Owner

Source: Steele County records, as of October 20, 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	710 CARDINAL DR, OWATONNA, MN 55060-3629
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 5, 2018	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS INC
Jul 10, 2019	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS INC
Jun 18, 2021	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS INC
Apr 7, 2011	Deed of Trust, Mortgage ROUNDBANK
Jan 23, 2026	Warranty Deed, Transfer · Conventional Mortgage ROCKET MORTGAGE LLC
Jul 18, 2017	Deed, Transfer · Conventional Mortgage QUICKEN LOANS INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 21, 2026 · Amount on Record
Deed Sale	Jan 21, 2026 · Amount on Record
Prior Sale	Jul 18, 2017 · Amount on Record
Deed Document Number	20261844250
Prior Transfer Date	Sep 29, 2009
Prior Transfer Doc	0000065034
Record Updated	Oct 29, 2026

October 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STEELE MN
Property Address	710 CARDINAL DR, OWATONNA, MN 55060-3629
Transaction Type	Mortgage
Record Updated	Feb 11, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	T000076652
Date	Oct 5, 2018
Instrument	T000076652

Lender

Name	QUICKEN LOANS INC
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2048

Interest

Rate Type	Fixed Rate

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STEELE MN
Property Address	710 CARDINAL DR, OWATONNA, MN 55060-3629
Transaction Type	Mortgage
Record Updated	Feb 11, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	T000077433
Date	Jul 10, 2019
Instrument	T000077433

Lender

Name	QUICKEN LOANS INC
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2049

Interest

Rate Type	Fixed Rate

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STEELE MN
Property Address	710 CARDINAL DR, OWATONNA, MN 55060-3629
Transaction Type	Mortgage
Record Updated	Feb 11, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	T000080285
Date	Jun 18, 2021
Instrument	T000080285

Lender

Name	QUICKEN LOANS INC
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Jun 1, 2041

Interest

Rate Type	Fixed Rate

April 2011: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STEELE MN
Property Address	710 CARDINAL DR, OWATONNA, MN 55060-3629
Transaction Type	Mortgage
Record Updated	Feb 11, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	T000067137
Date	Apr 7, 2011
Instrument	T000067137

Lender

Name	ROUNDBANK
Address	WASECA, MN 56093

Agreement

Amount	Amount Recorded
Term	59 Months
Due	Mar 15, 2016

January 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	STEELE MN
Recording Date	Jan 23, 2026
Property Address	710 CARDINAL DR, OWATONNA, MN 55060-3629
Document Number	T000085459
Instrument Date	Jan 21, 2026
Instrument	T000085459
Transaction Type	Transfer
Record Updated	Feb 11, 2026
Title Company	NEAR NORTH TITLE

Transaction

Amount	Amount Recorded
Tax	$1,006.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	710 CARDINAL DR, OWATONNA, MN 55060-3629
Investor	Possibly a Property Investor

Mortgage

Document Number	T000085460
Date	Jan 23, 2026
Instrument	T000085460

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2056

Mortgage

Document Number	T000085463
Date	Jan 26, 2026
Instrument	T000085463

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 1, 2056

July 2017: Deed, Transfer

Document Type	Deed
Jurisdiction	STEELE MN
Recording Date	Jul 18, 2017
Property Address	710 CARDINAL DR, OWATONNA, MN 55060-3629
Document Number	T000075075
Instrument Date	Jun 23, 2017
Instrument	T000075075
Transaction Type	Transfer
Record Updated	Sep 10, 2021
Title Company	NORTH AMERICAN TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$590.37
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	710 CARDINAL DR, OWATONNA, MN 55060-3629

Mortgage

Document Number	T000075076
Date	Jul 18, 2017
Instrument	T000075076

Lender

Name	QUICKEN LOANS INC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

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	$4,172.00 (+7.86%) Homeowner's exemption	$323,000 (+10.09%) Land $55,700 Building $267,300	$323,000 (+10.09%) Land $55,700 Building $267,300
2025	$3,868.00 (+0.78%) Homeowner's exemption	$293,400 (+13.15%) Land $52,000 Building $241,400	$293,400 (+13.15%) Land $52,000 Building $241,400
2023	$3,838.00 Homeowner's exemption	$259,300 Land $46,800 Building $212,500	$259,300 Land $46,800 Building $212,500

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 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	1 (2010)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Sep 2010 · Severe Storms And Flooding

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 96% of the US · lower than 86% 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 323 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

May also be available: Minnesota WiFi.

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