721 18th St SE, Owatonna, MN 55060 Property Records

Steele County property record for 721 18th St SE, Owatonna, MN 55060

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,287 sqft · built 1992
Lot Size	0.249 acres (10,846 sqft)
Owner	Individual Name on File
Last Sale	$208,000 (Feb 2018)
Tax Bill	$4,346 (2026)
Deeds & Mortgages	May 2023 Mortgage Feb 2022 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`17-438-0303`

Property Details

APN / Parcel Number

Primary APN	`17-438-0303`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	12 Rooms
Building Area	1,287 sqft Living Area
Basement Area	971 sqft
Finished Basement	971 sqft
Unfinished Basement	707 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1992
Effective Year Built	Effective 1992
Architectural Style	Split Level
Exterior Material	Aluminum/Vinyl
Foundation Type	Block
Roof Type	Gable
Roof Material	Asphalt
Lot Area	10,846 sqft (0.249 acres)
Garage Type	Attached
Garage Area	638 sqft
Parking Spaces	3 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	721 18TH ST SE
City	OWATONNA
State	MN
Zip	55060-4136
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LAMAW BLK 3 LOT 3 LAMAW ADDN
Legal Section	TW
Legal Subdivision	LAMAW
Legal Block	3
Legal Lot Number	3
Jurisdiction	STEELE MN
Township / Civil Division	OWATONNA
Census Block Group	3
Census Block	3015
Census Tract	960700

Owner

721 18th St SE is owned and occupied by an individual who bought it in February 2018.

Source: Steele County records, as of October 20, 2026

Owner of Record	Individual Name on File
Mailing Address	721 18TH ST SE, OWATONNA, MN 55060-4136
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 19, 2023	Deed of Trust, Mortgage HUD
Feb 28, 2022	Deed of Trust, Mortgage · Stand-Alone First Mortgage HUD
May 18, 2021	Deed of Trust, Mortgage · FHA Mortgage HUD
Feb 22, 2018	Deed, Transfer · FHA Mortgage AMERICAN MTG & EQUITY CONSULT

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 22, 2018 · Amount on File
Deed Sale	Feb 22, 2018 · Amount on File
Prior Sale	Apr 13, 2015 · Amount on File
Deed Document Number	2018417050
Record Updated	Oct 29, 2026

May 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STEELE MN
Property Address	721 18TH ST SE, OWATONNA, MN 55060-4136
Transaction Type	Mortgage
Record Updated	Jun 14, 2023
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	A000448029
Date	May 19, 2023
Instrument	A000448029

Lender

Name	HUD
Type	Government Agency

Agreement

Amount	Amount on Record
Term	300 Months
Due	Mar 1, 2048

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STEELE MN
Property Address	721 18TH ST SE, OWATONNA, MN 55060-4136
Transaction Type	Mortgage
Record Updated	May 11, 2022
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	A000441572
Date	Feb 28, 2022
Instrument	A000441572

Lender

Name	HUD
Type	Government Agency

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record
Term	312 Months
Due	Mar 1, 2048

Interest

Rate Type	Fixed Rate

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STEELE MN
Property Address	721 18TH ST SE, OWATONNA, MN 55060-4136
Transaction Type	Mortgage
Record Updated	May 11, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	A000436217
Date	May 18, 2021
Instrument	A000436217

Lender

Name	HUD
Type	Government Agency

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	324 Months
Due	Mar 1, 2048

Interest

Rate Type	Fixed Rate

February 2018: Deed, Transfer

Document Type	Deed
Jurisdiction	STEELE MN
Recording Date	Feb 22, 2018
Property Address	721 18TH ST SE, OWATONNA, MN 55060-4136
Document Number	A000417050
Instrument Date	Feb 13, 2018
Instrument	A000417050
Transaction Type	Transfer
Record Updated	Sep 10, 2021
Title Company	NORTH AMERICAN TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$686.40
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	721 18TH ST NE, OWATONNA, MN 55060-1494

Mortgage

Document Number	A000417051
Date	Feb 22, 2018
Instrument	A000417051

Lender

Name	AMERICAN MTG & EQUITY CONSULT
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 1, 2048

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

The 2026 property tax bill for 721 18th St SE was $4,346 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	$4,346.00 Homeowner's exemption	$328,600 (+7.99%) Land $50,400 Building $278,200	$328,600 (+7.99%) Land $50,400 Building $278,200
2025		$304,300 Land $48,100 Building $256,200	$304,300 Land $48,100 Building $256,200
2023	$4,272.00 Homeowner's exemption	$294,000 Land $43,100 Building $250,900	$294,000 Land $43,100 Building $250,900

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

Flood

FEMA maps place 721 18th St SE in Zone X, an area of minimal flood risk, though there have been 1 flood claim 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	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

The area around 721 18th St SE has no burnable land within ember reach, so its wildfire risk is not rated.

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

Wildfire Risk	Not rated no burnable land within 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 488 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: AT&T, Minnesota WiFi.

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