75 Otis St, Winona, MN 55987 Property Records

Winona County property record for 75 Otis St, Winona, MN 55987

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 884 sqft · built 1947
Lot Size	0.237 acres (10,324 sqft)
Owner	2 Individual Names on Record
Last Sale	$154,900 (Sep 2017)
Tax Bill	$2,152 (2026)
Deeds & Mortgages	Jan 2022 Mortgage Oct 2017 Line of Credit + 1 more
APN	`32.320.1200`

Property Details

APN / Parcel Number

Primary APN	`32.320.1200`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Half Baths	1 Half Bath
Stories	1 Story
Building Area	884 sqft Living Area
1st Floor Area	884 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1947
Effective Year Built	Effective 1996
Architectural Style	Ranch
Exterior Material	Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	10,324 sqft (0.237 acres)
Lot Dimensions	123 ft deep x 84 ft wide
Garage Type	Detached
Garage Area	572 sqft
Deck Area	240 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	75 OTIS ST
City	WINONA
State	MN
Zip	55987-2362
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SECT-20 TWP-107 RANGE-007 LIMITS PAR LOT 19 COMMENCING 262' N OF INT W LINE SE 1/4 NE 1/4 & C LINE CSAH 32 N 63' R 92 DEG
Legal Range	007
Legal Township	107
Legal Section	20
Legal Subdivision	LIMITS
Legal Lot Number	19
Jurisdiction	WINONA MN
Township / Civil Division	WINONA
Census Block Group	1
Census Block	1000
Census Tract	670301

Owner

Source: Winona County records, as of September 4, 2026

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

Owner of Record	2 Individual Names on Record
Mailing Address	75 OTIS ST, WINONA, MN 55987-2362
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 14, 2022	Deed of Trust, Mortgage · Conventional Mortgage AFFINITY PLUS FCU
Oct 11, 2017	Deed of Trust, Mortgage · Line of Credit MERCHANTS BANK NA
Sep 14, 2017	Warranty Deed, Transfer · Conventional Mortgage MERCHANTS BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 14, 2017 · Amount on Record
Deed Sale	Sep 14, 2017 · Amount on Record
Prior Sale	Oct 13, 2015 · Amount on Record
Deed Document Number	2017605379
Record Updated	Oct 29, 2026

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINONA MN
Property Address	75 OTIS ST, WINONA, MN 55987-2362
Transaction Type	Mortgage
Record Updated	Feb 1, 2022
Title Company	INDEPENDENCE TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000A640225
Date	Jan 14, 2022
Instrument	A640225

Lender

Name	AFFINITY PLUS FCU
Type	Credit Union
Address	SAINT PAUL, MN 55107

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2052

October 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINONA MN
Property Address	75 OTIS ST, WINONA, MN 55987-2362
Transaction Type	Mortgage
Record Updated	Feb 7, 2021
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	606031
Date	Oct 11, 2017
Instrument	606031

Lender

Name	MERCHANTS BANK NA
Type	Bank
Address	WINONA, MN 55987

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Oct 6, 2047

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WINONA MN
Recording Date	Sep 14, 2017
Property Address	75 OTIS ST, WINONA, MN 55987-2362
Document Number	605379
Instrument Date	Sep 8, 2017
Instrument	605379
Transaction Type	Transfer
Record Updated	Jun 22, 2021
Title Company	TOWN N COUNTRY TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$511.17
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	75 OTIS ST, WINONA, MN 55987-2362

Mortgage

Document Number	605380
Date	Sep 14, 2017
Instrument	605380

Lender

Name	MERCHANTS BANK NA
Type	Bank

Agreement

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

Tax Assessment & Valuation

Source: Winona County assessment roll, as of September 4, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$2,152.00 (+24.83%) Homeowner's exemption	$214,700 (+4.89%) Land $59,500 Building $155,200	$214,700 (+4.89%) Land $59,500 Building $155,200
2025		$204,700 (+7.68%) Land $59,500 Building $145,200	$204,700 (+7.68%) Land $59,500 Building $145,200
2023	$1,724.00 Homeowner's exemption	$190,100 Land $56,100 Building $134,000	$190,100 Land $56,100 Building $134,000

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

FEMA Flood Zone	Not on file

Values are read at the parcel center point; 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 80% of the US · lower than 60% of Minnesota
Wildfire Likelihood	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	Winona serves 27,782 people · EPA ID MN1850013
Water Source	Groundwater
Last State Inspection	Mar 2026
Lead	2 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	Radium resolved · Jul 2021
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 375 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Hiawatha Broadband Communications Cable · Fiber in parts of the area	1,000 / 30

May also be available: T-Mobile, Verizon.

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